| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | REGENCE BLUESHIELD OF IDAHO, INC. | $1K | $0 | $1K | 0.22% |
| MJ INSURANCE3 Filed as: ROBERT T. KURTZ AND VARIOUS AGENTS | 4425 NORTH HERITAGE VIEW AVENUE MERIDIAN, ID 83646 | AFLAC | $2K | $66 | $2K | 7.71% |
| REUEL S DAVIS3 Filed as: REUEL S. DAVIS | 9460 WEST FAIRVIEW AVENUE SUIT 140 BOISE, ID 83704 | AFLAC | $514 | $9 | $523 | 1.76% |
| ERSTAD & COMPANY3 Filed as: ERSTAD AND COMPANY INC. | 1108 WEST BOISE AVENUE, SUITE 100 BOISE, ID 83706 | AFLAC | $447 | $0 | $447 | 1.50% |
| HILLARY EYRE3 | 7760 WEST BAYHILL STREET BOISE, ID 83704 | AFLAC | $347 | $13 | $360 | 1.21% |
| GERI L. SCHOONDEERWOERD3 | 1003 LANNAHAN PLACE CALDWELL, ID 83605 | AFLAC | $343 | $0 | $343 | 1.15% |
| WILLIAM D. MAJORS3 | 2645 COLE, SUITE I BOISE, ID 83704 | AFLAC | $315 | $0 | $315 | 1.06% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | AFLAC | $278 | $0 | $278 | 0.93% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $844 | $0 | $844 | 10.01% |
No Schedule C service providers reported on this filing.
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 178 | $682K |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL OF IDAHO, INC | 118 | $71K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 73 | $8K |
| Life insurance | AFLAC | 40 | $30K |
| Short-term disability | AFLAC | 40 | $30K |
| Prescription drug | REGENCE BLUESHIELD OF IDAHO, INC. | 178 | $682K |
| Other | AFLAC | 40 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.