| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS | 280 E CORPORATE DR STE 200 MERIDIAN, ID 83642 | PACIFIC SOURCE | $86K | — | $86K | 3.43% |
| RICHARD SEEHAWER3 | PO BOX 99 MERIDIAN, ID 83680 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $45K | — | $45K | 13.77% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS | PO BOX 370 MERIDIAN, ID 83680 | DELTA DENTAL | $5K | $19K | $23K | 15.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS | PO BOX 370 MERIDIAN, ID 83680 | WILLAMETTE DENTAL | $5K | $10K | $15K | 15.05% |
| RICHARD SEEHAWER3 | 450 W STATE STREET 125 MERIDIAN, ID 83680 | UNUM LIFE INSURANCE | $2K | — | $2K | 15.11% |
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 | 596 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFIC SOURCE | 596 | $2.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 223 | $256K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 449 | $324K |
| Other | UNUM LIFE INSURANCE | 316 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.