| 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. | $30K | — | $30K | 2.97% |
| JOHN BOYNTON3 | 20 S KING ST LEESBURG, VA 20175 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $10K | — | $10K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 2600 ROSE HILL #101 BOISE, ID 83705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $371 | $10K | 12.41% |
| DENISE A MAXWELL3 Filed as: DENISE MAXWELL | 943 W. OVERLAND RD MERIDIAN, ID 83642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $480 | $3K | 3.94% |
| MARY BROOK FORD3 | 5475 N. MITCHUM AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $354 | $2K | 3.05% |
| TROY DARWIN GIFFORD3 Filed as: TROY GIFFORD | 5369 N ISLA AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $775 | $152 | $927 | 1.19% |
| BENNETT JAY WOLF3 | 1256 E FALL CT BOISE, ID 83706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $557 | $1 | $558 | 0.71% |
| RONNY ANN WARNER3 Filed as: RONNY WARNER | 470 E WHITBECK ST KUNA, ID 83634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $467 | $61 | $528 | 0.68% |
| JOHNATHAN SPARKS3 | 3448 E CULLEN ST MERIDIAN, ID 83642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | — | $321 | 0.41% |
| JEFFREY PRATT GRIFFETH3 | 12416 WEST BRADDOCK DRIVE BOISE, ID 83709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $37 | $72 | 0.09% |
| WILLIAM KEZELE3 | PO BOX 5597 TWIN FALLS, ID 83303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $35 | $70 | 0.09% |
| TARA TANDROW3 | HUB INTERNATIONAL 157 RIVER VISTA PL TWIN FALLS, ID 833013056 | UNITED HERITAGE LIFE INS CO | $2K | — | $2K | 8.01% |
| TARA TANDROW3 | HUB INTERNATIONAL 157 RIVER VISTA PL TWIN FALLS, ID 833013056 | UNITED HERITAGE LIFE INS CO | $662 | — | $662 | 6.15% |
| TARA TANDROW3 | HUB INTERNATIONAL 157 RIVER VISTA PL TWIN FALLS, ID 833013056 | UNITED HERITAGE LIFE INS CO | $918 | — | $918 | 9.12% |
| TARA TANDROW3 | HUB INTERNATIONAL 157 RIVER VISTA PL TWIN FALLS, ID 833013056 | UNITED HERITAGE LIFE INS CO | $1K | — | $1K | 13.80% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 219 | $1.0M |
| Dental | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 219 | $1.0M |
| Vision | UNITED HERITAGE LIFE INS CO | 81 | $10K |
| Life insurance | UNITED HERITAGE LIFE INS CO | 157 | $11K |
| Other(4 contracts, 3 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 219 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.