| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH C. MOODY3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUE CROSS OF IDAHO | $111K | $7K | $118K | 3.58% |
| PLAN SOURCE BENEFIT ADMINISTRATION3 Filed as: PLAN SOURCE | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $0 | $37K | 1.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 0.43% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $70 | $8K | 0.30% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.20% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $89K | $89K | 4.24% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $472K | — | $472K | 34.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | 300 SOUTH GRAND AVENUE SUITE 2000 LOS ANGELES, CA 90071 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$3K | — | -$3K | -0.19% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | $13K | $17 | $13K | 12.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | $0 | $7K | 7.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WATSON WYATT & COMPANY | 901 NORTH GLEBE ROAD ARLINGTON, VA 22203 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $4K | $4K | 4.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $954 | $954 | 0.94% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $384 | $384 | 0.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 671284 DALLAS, TX 75267 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $70 | $70 | 0.07% |
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 | 11,836 | 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) | 11,836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO | 631 | $4.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO | 16,269 | $5.8M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO | 7,406 | $4.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 16,269 | $2.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,479 | $2.1M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,269 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,269 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.