| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | — | DELTA DENTAL OF IDAHO | $5K | $0 | $5K | 5.00% |
| MORETON & COMPANY3 | 12639 W EXPLORER DR STE 200 BOISE, ID 83713 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 13.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY | 175 SOUTH THRID STREET STE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37 | $0 | $37 | 0.10% |
| PAUL L ADAMS3 Filed as: PAUL ADAMS | 15328 32ND AVE SE MILL CREEK, WA 98012 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.01% |
| MORETON & COMPANY3 | 12639 W EXPLORER DR STE 200 BOISE, ID 83713 | UNITED HERITAGE LIFE INS CO | $2K | $0 | $2K | 10.00% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IDAHO | 205 | $104K |
| Vision | UNITED HERITAGE LIFE INS CO | 155 | $19K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $38K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.