| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TARA TANDROW3 Filed as: TARA K TANDROW | 2600 ROSE HILL, STE 101 BOISE, ID 83705 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $40K | $2K | $42K | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 2600 ROSE HILL #101 BOISE, ID 83705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $8K | $21K | 29.58% |
| DENISE A MAXWELL3 Filed as: DENISE MAXWELL | 5475 N MITCHUM AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $6K | $14K | 19.23% |
| MARY BROOK FORD3 | 5475 N. MITCHUM AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $6K | $12K | 16.90% |
| TROY DARWIN GIFFORD3 Filed as: TROY GIFFORD | 5369 N ISLA AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.56% |
| RONNY ANN WARNER3 Filed as: RONNY WARNER | 470 E WHITBECK ST KUNA, ID 83634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $122 | $2K | 3.26% |
| BENNETT JAY WOLF3 | 1256 E FALL CT BOISE, ID 83706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $78 | $2K | 2.78% |
| WILLIAM KEZELE3 | PO BOX 5597 TWIN FALLS, ID 83303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $277 | $472 | 0.66% |
| JEFFREY PRATT GRIFFETH3 | 12416 WEST BRADDOCK DRIVE BOISE, ID 83709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $195 | $257 | $452 | 0.63% |
| TARA TANDROW3 | HUB INTERNATIONAL 157 RIVER VISTA PL TWIN FALLS, ID 833013056 | UNITED HERITAGE LIFE INS CO | $2K | — | $2K | 8.66% |
| TARA TANDROW3 | HUB INTERNATIONAL 157 RIVER VISTA PL TWIN FALLS, ID 833013056 | UNITED HERITAGE LIFE INS CO | $691 | — | $691 | 6.63% |
| TARA TANDROW3 | HUB INTERNATIONAL 157 RIVER VISTA PL TWIN FALLS, ID 833013056 | UNITED HERITAGE LIFE INS CO | $977 | — | $977 | 10.00% |
| TARA TANDROW3 | HUB INTERNATIONAL 157 RIVER VISTA PL TWIN FALLS, ID 833013056 | UNITED HERITAGE LIFE INS CO | $1K | — | $1K | 14.99% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 213 | $1.0M |
| Dental | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 213 | $1.0M |
| Vision | UNITED HERITAGE LIFE INS CO | 73 | $10K |
| Life insurance(2 contracts) | UNITED HERITAGE LIFE INS CO | 151 | $19K |
| Other(4 contracts, 3 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 213 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.