| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHAEL BROWN | 2501 EAST STATE AVENUE, SUITE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $21K | $0 | $21K | 3.81% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | PO BOX 191030 BOISE, ID 83719 | WILLAMETTE DENTAL OF IDAHO, INC. | $6K | $0 | $6K | 7.50% |
| DENISE A MAXWELL3 Filed as: DENISE A. MAXEWELL | 3501 WEST TORANA DRIVE MERIDIAN, ID 83646 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $790 | $661 | $1K | 5.59% |
| ANGELA S BRINGHURST3 Filed as: ANGELA S. BRINGHURST | 536 WEST BAYHILL DRIVE NAPA, ID 83686 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.37% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON AND COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.48% |
| LOIS FLEENER3 | 3196 IVORY DRIVE IDAHO FALLS, ID 83401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $781 | $290 | $1K | 4.13% |
| LYNSAY GROSS3 | 472 WEST CAGNEY DRIVE MERIDIAN, ID 83646 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $231 | $4 | $235 | 0.91% |
| STEVEN K BRINGHURST3 Filed as: STEVEN K. BRINGHURST | 536 WEST BAYHILL DRIVE NAPA, ID 83686 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | $0 | $141 | 0.54% |
| MJ INSURANCE3 Filed as: KIMBERLY PETERSON & VARIOUS AGENTS | 1860 S. GOLDSMITH AVENUE MERIDIAN, ID 83642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $3 | $73 | 0.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GEORGE BROWN | PO BOX 191030 BOISE, ID 83719 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.23% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 137 | $552K |
| Dental | WILLAMETTE DENTAL OF IDAHO, INC. | 150 | $85K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 98 | $12K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 98 | $38K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 137 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.