| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $51K | $12K | $62K | 12.35% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54K | $12K | $66K | 18.20% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | $11K | $54K | 19.06% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 11.73% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $374 | $11 | $385 | 15.44% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $110K | $12K | $122K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO, INC. EIN 82-0206874 UNRELATED | Claims processing; Float revenue; Direct payment from the plan Service code 12 | — | $6.3M |
| BLUE CROSS OF IDAHO HEALTH SERVICE EIN 82-0344294 UNRELATED | Direct payment from the plan; Claims processing Service code 12 | — | $1.2M |
| ZELIS CLAIMS INTEGRITY, LLC EIN 86-1040704 UNRELATED | Claims processing; Direct payment from the plan Service code 12 | — | $687K |
| DELTA DENTAL OF IDAHO EIN 82-0299431 UNRELATED | Direct payment from the plan; Contract Administrator Service code 13 | — | $562K |
| MEDIMPACT EIN 33-0567651 UNRELATED | Direct payment from the plan; Contract Administrator Service code 13 | — | $272K |
| UNITED OF OMAHA LIFE INSURANCE COMP EIN 47-0322111 UNRELATED | Contract Administrator; Direct payment from the plan Service code 13 | — | $241K |
| VISION SERVICE PLAN EIN 23-7089668 UNRELATED | Contract Administrator; Direct payment from the plan Service code 13 | — | $173K |
| INSURANCE ADMINISTRATOR OF AMERICA EIN 23-2696281 UNRELATED | Claims processing; Direct payment from the plan Service code 12 | — | $4K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 11,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 11,866 | $1.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 19,059 | $868K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 12,169 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 762 | $281K |
| Stop-loss / reinsurancereinsurance | REGENCE BLUESHIELD OF IDAHO, INC. | 11,866 | $1.6M |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 19,059 | $953K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,059 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.