| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC | 280 E CORPORATE DRIVE STE 200 MERIDIAN, ID 83642 | LINCOLN FINANCIAL GROUP | $8K | — | $8K | 10.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC | 280 E CORPORATE DRIVE STE 200 MERIDIAN, ID 83642 | LINCOLN FINANCIAL GROUP | $7K | — | $7K | 10.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC | 280 E CORPORATE DRIVE STE 200 MERIDIAN, ID 83642 | LINCOLN FINANCIAL GROUP | $5K | — | $5K | 10.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC | 280 E CORPORATE DRIVE STE 200 MERIDIAN, ID 83642 | VSP | $2K | — | $2K | 4.05% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC | 280 E CORPORATE DRIVE STE 200 MERIDIAN, ID 83642 | LINCOLN FINANCIAL GROUP | $3K | — | $3K | 10.00% |
| TRULUMA Filed as: TRULUMA INC | 1702 N 34TH STREET SEATTLE, WA 98103 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.67% |
| MYRIAD BENEFITS INC Filed as: MYRIAD BENEFITS, LLC | 280 E CORPORATE DRIVE STE 200 MERIDIAN, ID 83642 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.43% |
| MYRIAD BENEFITS INC Filed as: MYRIAD BENEFITS, LLC | 280 E CORPORATE DRIVE STE 200 MERIDIAN, ID 83642 | REGENCE BLUE SHIELD | $73K | — | $73K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO, INC EIN 82-0206874 CLAIMS PROCESSING | Non-monetary compensation; Contract Administrator; Float revenue; Claims processing; Insurance brokerage commissions and fees; Direct payment from the plan; Other services Service code 12 | — | $291K |
| HOLLAND & HART, LLP EIN 84-0382505 ATTORNEY | Legal Service code 29 | 800 W MAIN STREET, SUITE 1750 BOISE, ID 83702 | $8K |
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 | 486 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUE SHIELD | 622 | $0 |
| Dental | DELTA DENTAL | 374 | $259K |
| Vision | VSP | 374 | $41K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 417 | $104K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 417 | $86K |
| Other(3 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 472 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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.