| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC | 555 E PARKCENTER BLVD BOISE, ID 83706 | DELTA DENTAL | $3K | — | $3K | 1.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | LINCOLN NATIONAL LIFE INSURANCE | $8K | — | $8K | 10.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 MERIDIAN, 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 | VSP | $161 | — | $161 | 0.41% |
| MYRIAD BENEFITS INC Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | LINCOLN NATIONAL LIFE INSURANCE | $2K | — | $2K | 10.00% |
| TRULUMA Filed as: TRULUMA INC | 1702 N 34TH STREET SEATTLE, WA 98103 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 17.57% |
| GREG WONACOTT3 | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 11.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HOLLAND & HART, LLP EIN 84-0382505 ATTORNEY | Legal Service code 29 | 800 W MAIN STREET, SUITE 1750 BOISE, ID 83702 | $21K |
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 | 462 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC | 625 | $492K |
| Dental | DELTA DENTAL | 374 | $267K |
| Vision | VSP | 363 | $39K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE | 457 | $117K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE | 409 | $25K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE | 409 | $66K |
| Stop-loss / reinsurancereinsurance | REGENCE BLUESHIELD OF IDAHO, INC | 625 | $492K |
| Other | BPA HEALTH | 454 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.