| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | REGENCE BLUESHIELD OF IDAHO, INC | $97K | $10K | $108K | 5.11% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC | — | DELTA DENTAL OF IDAHO | $3K | — | $3K | 2.24% |
| HELBLING BENEFITS CONSULTING3 Filed as: HELBLING BENEFITS CONSULTING, INC | — | DELTA DENTAL OF IDAHO | $1K | — | $1K | 0.76% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS, INC. | — | WILLAMETTE DENTAL OF IDAHO, INC. | $3K | — | $3K | 3.00% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| ADVANCED BENEFIT INC3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
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 | 384 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC | 315 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 218 | $238K |
| Vision | VISION SERVICE PLAN | 315 | $42K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $91K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $38K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.