| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT INC. | CHRISTOPHER KEIM 1299 WEST RIVERSTONE DRIVE COUER D ALENE, ID 83814 | REGENCE BLUESHIELD OF IDAHO | $34K | $3K | $37K | 5.48% |
| ADVANCED BENEFIT INC3 | — | DELTA DENTAL OF IDAHO | $2K | — | $2K | 2.99% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT INSURANCE | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $302 | $6K | 15.75% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT INSURANCE | 1299 W RIVERSTONE DRIVE COUER D ALENE, ID 83814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $8 | $1K | 8.49% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | LIFEMAP ASSURANCE COMPANY | $657 | — | $657 | 5.01% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT INSURANCE | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $66 | $1K | 15.74% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO | 124 | $675K |
| Dental | DELTA DENTAL OF IDAHO | 121 | $83K |
| Vision | LIFEMAP ASSURANCE COMPANY | 120 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $40K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $40K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.