| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LAURA T. BROWN | 5240 FAIRVIEW AVENUE BOISE, ID 83706 | BLUE CROSS OF IDAHO | $13K | $1K | $14K | 1.83% |
| BONNIE DANIELI3 Filed as: BONNIE S. DANIELI | 2600 ROSE HILL STREET, SUITE 101 BOISE, ID 83705 | BLUE CROSS OF IDAHO | $5K | — | $5K | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FREDRIKSEN BROWN INSURANCE, LLC | 5240 WEST FAIRVIEW AVENUE BOISE, ID 83706 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT. MOUNTAIN STATES, LTD | 2600 ROSE HILL, SUITE 101 BOISE, ID 83705 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.85% |
| ERIC FREDRIKSEN3 | 5240 WEST FAIRVIEW AVENUE BOISE, ID 83706 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.36% |
| BONNIE DANIELI3 | 2600 ROSE HILL STREET BOISE, ID 83705 | UNITED HERITAGE LIFE INSURANCE COMPANY | $360 | $0 | $360 | 1.71% |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO | 112 | $819K |
| Dental | BLUE CROSS OF IDAHO | 112 | $752K |
| Vision | BLUE CROSS OF IDAHO | 112 | $752K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 351 | $21K |
| Prescription drug | BLUE CROSS OF IDAHO | 112 | $752K |
| Other | BLUE CROSS OF IDAHO | 112 | $752K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.