| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES VANN | — | BLUE CROSS OF IDAHO | $32K | $3K | $35K | 2.43% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | 709 E SOUTH TEMPLE SALT LAKE CITY, UT 84102 | DELTA DENTAL OF IDAHO | $3K | — | $3K | 3.22% |
| MORETON & COMPANY3 | — | STARMOUNT LIFE INSURANCE COMPANY | $1K | $473 | $2K | 13.97% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $245 | $43 | $288 | 11.77% |
| MORETON & COMPANY3 | 101 SOUTH 200 EAST, STE. 300 SALT LAKE CITY, UT 84111 | WESTERN HEALTH ADVANTAGE | $11K | — | $11K | — |
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 | 92 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO | 262 | $1.4M |
| Dental | DELTA DENTAL OF IDAHO | 93 | $90K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 66 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $2K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $2K |
| Prescription drug | BLUE CROSS OF IDAHO | 262 | $1.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO | 262 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.