| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 BOISE, ID 83642 | DELTA DENTAL | $3K | — | $3K | 1.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DRIVE STE 200 BOISE, ID 83642 | LINCOLN NATIONAL LIFE INSURANCE | $7K | — | $7K | 10.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | LINCOLN NATIONAL LIFE INSURANCE | $6K | — | $6K | 10.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | VSP | $988 | — | $988 | 4.87% |
| TRULUMA3 Filed as: TRULUMA INC | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | STANDARD INSURANCE COMPANY | $4K | $2K | $5K | 39.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO, INC. EIN 82-0206874 CLAIMS PROCESSING | Direct payment from the plan; Claims processing; Float revenue Service code 12 | 208 E CORPORATE DRIVE MERIDIAN, ID 83642 | $199K |
| HOLLAND & HART, LLP EIN 84-0382505 ATTORNEY | Legal Service code 29 | 800 W MAIN STREET, SUITE 1750 BOISE, ID 83702 | $12K |
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 | 456 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 36 | $252K |
| Vision | VSP | 372 | $20K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE | 454 | $70K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE | 13 | $72K |
| Other(2 contracts, 2 carriers) | BPA HEALTH | 437 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.