| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FNCL | PO BOX 29675 PHOENIX, AZ 85038 | RELIASTAR LIFE INSURANCE COMPANY | $113K | $56K | $169K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 777 108TH AVE NE #200 BELLEVUE, WA 98004 | HUMANA INSURANCE COMPANY | $900 | — | $900 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | HUMANA INSURANCE COMPANY | $250 | — | $250 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES LLC | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | THE HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 10.60% |
| WESTERN BENEFIT SOLUTIONS3 | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $3K | — | $3K | 4.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 837131488 | HARTFORD LIFE INSURANCE CO | $5K | — | $5K | 10.60% |
| WESTERN BENEFIT SOLUTIONS3 | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | MAGELLAN HEALTH SERVICES | $679 | — | $679 | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 837131488 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN SOLUTIONS, INC. EIN 82-0252469 NONE | Contract Administrator Service code 13 | 3449 E COPPER POINT DRIVE MERIDIAN, ID 83642 | $438K |
| PHOENIX SAVINGS EIN 86-1040704 NONE | Claims processing Service code 12 | — | $287K |
| AETNA PPO EIN 06-6033492 NONE | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $178K |
| NAVITUS EIN 04-3608530 NONE | Claims processing Service code 12 | 2601 WEST BELTLINE HIGHWAY SUITE 600 MADISON, WI 53713 | $69K |
| AETNA UTILIZATION MANAGEMENT EIN 52-2182411 NONE | Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $40K |
| WESTERN BENEFIT SOLUTIONS EIN 84-1419617 NONE | Consulting (general) Service code 16 | 13965 W CHINDEN BLVD BOISE, ID 83713 | $30K |
| AMERIBEN COMPASS EIN 82-0428955 NONE | Claims processing Service code 12 | 3449 E COPPER POINT DRIVE MERIDIAN, ID 83642 | $24K |
| TELEDOC EIN 20-1020949 NONE | Consulting (general) Service code 16 | 4100 SPRING VALLEY, SUITE 515 DALLAS, TX 75244 | $12K |
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 | 823 | 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) | 823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | THE HARTFORD LIFE AND ACCIDENT | 767 | $198K |
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 47 | $63K |
| Prescription drug(2 contracts) | HUMANA INSURANCE COMPANY | 163 | $452K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 823 | $1.1M |
| Other | AETNA LIFE INSURANCE COMPANY | 818 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 823 | — |
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.