| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW RANSTROM3 | 2501 E STATE AVE STE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | $68K | $6K | $74K | 2.85% |
| MORETON & COMPANY3 | 12639 W EXPLORER DR, STE 200 BOISE, ID 83713 | DELTA DENTAL | $4K | — | $4K | 2.75% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 12639 W EXPLORER DR, STE 200 BOISE, ID 83713 | WILLAMETTE DENTAL OF IDAHO | $2K | — | $2K | 3.00% |
| DREW RANSTROM3 | 2501 E STATE AVE STE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INS CO | $3K | — | $3K | 10.00% |
| MORETON & COMPANY3 | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $453 | — | $453 | 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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 207 | $2.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 155 | $196K |
| Vision | UNITED HERITAGE LIFE INS CO | 193 | $27K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $5K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 207 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.