| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHANDRO, LORI E3 Filed as: THE SHANDRO GROUP | 3380 W AMERICANA TERRACE, SUITE 330 BOISE, ID 83706 | DELTA DENTAL OF IDAHO | $1K | $0 | $1K | 7.91% |
| ENROLLEASE3 Filed as: LINDSAY CLARKE | 3380 AMERICANA TERRACE SUITE 330 BOISE, ID 83702 | UNITED HERITAGE LIFE INSURANCE COMPANY | $179 | $0 | $179 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SHANDRO GROUP EIN 42-1607102 0 | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $14K |
| AETNA ASA EIN 06-6033492 0 | Other services; Claims processing Service code 12 | — | $5K |
| STAR MARKETING AND ADMINISTRATION EIN 36-3403079 0 | Other services; Claims processing; Plan Administrator Service code 12 | — | $3K |
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 | 38 | 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) | 38 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IDAHO | 27 | $14K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 17 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.