| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBS OF IDAHO INC3 | 6220 N DISCOVERY WAY STE 110 BOISE, ID 83713 | DELTA DENTAL OF IDAHO | $17K | $86K | $103K | 16.71% |
| ANDERSON LIFE & HEALTH AGENCY3 Filed as: ANDERSON LIFE & HEALTH AGENCY INC | PO BOX 50203 IDAHO FALLS, ID 83405 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 5.45% |
| ANDERSON LIFE & HEALTH AGENCY3 Filed as: ANDERSON LIFE & HEALTH AGENCY INC | PO BOX 50203 IDAHO FALLS, ID 83405 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 5.38% |
| TRAVIS ARGYLE3 | 425 N CAPITAL AVE IDAHO FALLS, ID 83405 | UNITED HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 5.40% |
| TRAVIS ARGYLE3 | 425 N CAPITAL STE B IDAHO FALLS, ID 83402 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | $162K | — | $162K | — |
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 | 842 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 1,671 | $0 |
| Dental | DELTA DENTAL OF IDAHO | 842 | $619K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 804 | $143K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,357 | $401K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,357 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,671 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.