| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW RANSTROM3 Filed as: DREW A RANSTROM | PO BOX 58139 SALT LAKE CITY, UT 84158 | PACIFICSOURCE HEALTH PLANS | $48K | $0 | $48K | 2.42% |
| KRISTIN S STONE3 | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | PACIFICSOURCE HEALTH PLANS | $480 | $0 | $480 | 0.02% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | DELTA DENTAL OF IDAHO | $7K | $0 | $7K | 4.33% |
| THE PARTNERS GROUP3 | 11850 SW 67TH AVE SUITE 100 PORTLAND, OR 97223 | DELTA DENTAL OF IDAHO | $713 | $0 | $713 | 0.42% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 2501 E STATE AVE STE 200 MERIDIAN, ID 83642 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 11.73% |
| DRE RANSTROM3 | 2501 E STATE AVE, STE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.92% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 2501 E STATE AVE STE 200 MERIDIAN, ID 83642 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $157 | $9K | 37.36% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 2501 E STATE AVE STE 200 MERIDIAN, ID 83642 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $148 | $7K | 39.40% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 2501 E STATE AVE STE 200 MERIDIAN, ID 83642 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $163 | $6K | 37.71% |
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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 361 | $2.0M |
| Dental | DELTA DENTAL OF IDAHO | 257 | $171K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 235 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $82K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $82K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 578 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.