| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYRIAD BENEFITS INC Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | REGENCE BLUESHIELD OF IDAHO INC | — | — | $0 | 0.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | LINCOLN FINANCIAL GROUP | $9K | — | $9K | 10.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | LINCOLN FINANCIAL GROUP | $7K | — | $7K | 10.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | LINCOLN FINANCIAL GROUP | $6K | — | $6K | 10.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | VSP | $2K | — | $2K | 3.95% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS LLC | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | LINCOLN FINANCIAL GROUP | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO, INC EIN 82-0206874 CLAIMS PROCESSING | Contract Administrator; Direct payment from the plan; Non-monetary compensation; Claims processing; Insurance brokerage commissions and fees; Float revenue; Other services Service code 12 | — | $528K |
| HOLLAND & HART, LLP EIN 84-0382505 ATTORNEY | Legal Service code 29 | 800 W MAIN STREET, SUITE BOISE, ID 83702 | $14K |
| MERRILL LYNCH EIN 13-5674085 BROKERAGE | Custodial (securities) Service code 19 | 1400 AMERICAN BLVD PENNINGTON, NJ 08534 | $0 |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO INC | 680 | $603K |
| Dental | DELTA DENTAL | 419 | $286K |
| Vision | VSP | 421 | $44K |
| Life insurance(2 contracts) | LINCOLN FINANCIAL GROUP | 455 | $118K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 455 | $27K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 455 | $74K |
| Stop-loss / reinsurancereinsurance | REGENCE BLUESHIELD OF IDAHO INC | 680 | $603K |
| Other(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 501 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 680 | — |
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.