| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | REGENCE BLUE SHIELD OF IDAHO | $42K | $3K | $45K | 4.43% |
| MORETON & COMPANY3 | 101 SOUTH 2ND EAST, SUITE 300 SALT LAKE CITY, UT 84111 | WILLAMETTE DENTAL OF IDAHO, INC. | $3K | $0 | $3K | 5.02% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | 101 SOUTH 2ND EAST, SUITE 300 SALT LAKE CITY, UT 84111 | USABLE LIFE | $2K | $250 | $2K | 10.39% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.02% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $76 | — | $76 | 0.50% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | REGENCE BLUE SHIELD OF IDAHO | 178 | $1.1M |
| Vision | VISION SERVICE PLAN | 119 | $15K |
| Life insurance | USABLE LIFE | 127 | $20K |
| Other | USABLE LIFE | 127 | $20K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.