| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | DELTA DENTAL OF IDAHO | $20K | $0 | $20K | 2.34% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | DELTA DENTAL OF IDAHO | $19K | $0 | $19K | 2.16% |
| MORETON & COMPANY3 Filed as: FRED MORETON & CO | 101 S 200 E STE 300 SALT LAKE CITY, UT 84111 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 10.38% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $129 | $25K | 8.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34 | $34 | 0.01% |
| MORETON & COMPANY3 | 101 S 200 E, STE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $354 | $14K | 7.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.65% |
| DREW RANSTROM3 | 2501 EAST STATE AVE, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.25% |
| AARON T MARSDEN3 | 8110 EAST UNION AVENUE, SUITE 100 DENVER, CO 80237 | UNITED HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.44% |
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 | 1,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IDAHO | 1,001 | $868K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 853 | $132K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,030 | $510K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,030 | $200K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,030 | $200K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,030 | $510K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,030 | — |
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.