| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUDY DANE3 Filed as: TRUDY R DANE | PO BOX 5099 TWIN FALLS, ID 83303 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $47K | $3K | $50K | 1.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PLACE TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $5K | $15K | 22.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PLACE TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $4K | $12K | 22.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PLACE TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $5K | 22.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PLACE TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $734 | $2K | 21.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PLACE TWIN FALLS, TN 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $756 | $2K | 22.36% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $281 | $2K | 36.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PLACE TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $679 | $342 | $1K | 22.56% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $163 | $1K | 35.43% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 692 | $2.5M |
| Dental | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 692 | $2.5M |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 692 | $2.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $54K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $66K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $11K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.