| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | 2501 EAST STATE AVENUE, SUITE 200 MERIDIAN, ID 83642 | REGENCE BLUESHIELD OF IDAHO, INC. | $0 | $7K | $7K | 0.31% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY INC. | 8055 EAST TUFTS AVENUE, SUITE 1000 DENVER, CO 80237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 12.46% |
| CODY GUSTIN3 | PO BOX 191030 BOISE, ID 83719 | UNITED HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 422 | $2.3M |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 231 | $28K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $76K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $76K |
| Prescription drug | REGENCE BLUESHIELD OF IDAHO, INC. | 422 | $2.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.