| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAVIS ARGYLE3 | PO BOX 1766 IDAHO FALLS, ID 83403 | REGENCE BLUESHIELD OF IDAHO, INC. | $63K | $8K | $70K | 5.03% |
| ARCHIBALD INSURANCE CENTER, INC.3 Filed as: ARCHIBALD INSURANCE CENTER, INC DBA | — | DELTA DENTAL OF IDAHO | $5K | — | $5K | 3.00% |
| ANDERSON LIFE & HEALTH AGENCY3 | PO BOX 50203 IDAHO FALLS, ID 83405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.66% |
| ARCHIBALD INSURANCE CENTER, INC.3 Filed as: ARCHIBALD INSURANCE CENTER, INC | PO BOX 96 REXBURG, ID 83440 | LIFEMAP ASSURANCE COMPANY | $1K | — | $1K | 5.05% |
| ANDERSON LIFE & HEALTH AGENCY3 | PO BOX 50203 IDAHO FALLS, ID 83405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.13% |
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 | 586 | 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) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 266 | $1.4M |
| Dental | DELTA DENTAL OF IDAHO | 217 | $161K |
| Vision | LIFEMAP ASSURANCE COMPANY | 209 | $29K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $67K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.