| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KORY PORTER3 | 392 FALLS AVENUE TWIN FALLS, ID 83301 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $53K | $0 | $53K | 2.16% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN BALTAS | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $31K | $6K | $37K | 1.51% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | $3K | $9K | 2.56% |
| MJ INSURANCE3 Filed as: MJI, INC. | PO BOX 847 MCMINNVILLE, OR 97128 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $3K | $5K | 1.60% |
| LYDA INC3 Filed as: LYDA, INC. | 392 FALLS AVENUE TWIN FALLS, ID 83301 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 8.45% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.55% |
| LYDA INC3 Filed as: LYDA, INC. | 392 FALLS AVENUE TWIN FALLS, ID 83301 | LIFEMAP ASSURANCE COMPANY | $7K | $0 | $7K | 6.23% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | LIFEMAP ASSURANCE COMPANY | $5K | $0 | $5K | 4.50% |
| STEPHAN SCEROLER3 | 377 HIGHWAY 21, SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $818 | $18K | 20.96% |
| HEALTH PLAN PARTNERS3 | 392 FALLS AVENUE TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | WILLAMETTE DENTAL INSURANCE, INC. | $660 | $0 | $660 | 5.00% |
| MJ INSURANCE3 Filed as: MJI, INC. | 448 SE BAKER STREET MCMINNVILLE, OR 97128 | STANDARD INSURANCE COMPANY | $647 | $0 | $647 | 7.85% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | STANDARD INSURANCE COMPANY | $277 | $0 | $277 | 3.36% |
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 | 600 | 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) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 600 | $2.8M |
| Dental(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 320 | $180K |
| Vision | LIFEMAP ASSURANCE COMPANY | 541 | $117K |
| Life insurance(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 541 | $125K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 57 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 57 | $85K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 600 | $2.8M |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 541 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.