| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUDY DANE3 Filed as: TRUDY R DANE | PO BOX 5099 TWIN FALLS, ID 83303 | BLUECROSS OF IDAHO | $57K | $2K | $59K | 8.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 517 RIVER VISTA PL TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $3K | $13K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 517 RIVER VISTA PL TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 517 RIVER VISTA PL TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $873 | $3K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 517 RIVER VISTA PL TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $711 | $3K | 20.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $121 | $3K | 27.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 517 RIVER VISTA PL TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.50% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $169 | $2K | 27.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 517 RIVER VISTA PL TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 157 RIVER VISTA PLACE TWIN FALLS, WA 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $338 | — | $338 | 7.51% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, ID 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $225 | — | $225 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 517 RIVER VISTA PL TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $542 | $181 | $723 | 20.01% |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS OF IDAHO | 566 | $727K |
| Dental | BLUECROSS OF IDAHO | 566 | $727K |
| Vision | BLUECROSS OF IDAHO | 566 | $727K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 369 | $67K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $14K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 369 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.