| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 | 12639 W EXPLORER STE 200 BOISE, ID 83713 | REGENCE BLUESHIELD OF IDAHO, INC. | $0 | $12K | $12K | 0.70% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 12639 W EXPLORER DR STE 200 BOISE, ID 83713 | DEARBORN NATIONAL | $6K | $0 | $6K | 10.04% |
| MORETON & COMPANY3 | 12639 W EXPLORER DR STE 200 BOISE, ID 83713 | UNITED HERITAGE LIFE INS | $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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 363 | $1.8M |
| Vision | UNITED HERITAGE LIFE INS | 165 | $20K |
| Life insurance | DEARBORN NATIONAL | 123 | $57K |
| Long-term disability | DEARBORN NATIONAL | 123 | $57K |
| Other | DEARBORN NATIONAL | 123 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.