| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST | PO BOX 5815 BOISE, ID 83705 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $73K | $11K | $84K | 15.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN | 2600 ROSE HILL SUITE 101 BOISE, IA 83705 | LIFEMAP ASSURANCE COMPANY | $18K | $0 | $18K | 19.47% |
| DENISE A MAXWELL3 Filed as: DENISE MAXWELL | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $10K | 12.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | PO BOX 6006 SHERIDAN, WY 82801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 9.79% |
| RONNY ANN WARNER3 | 470 E WHITBECK ST KUNA, ID 83634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 4.76% |
| SUSAN GOLD STOKES3 Filed as: SUSAN STOKES | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $408 | $3K | 3.46% |
| LOIS FLEENER3 | 3196 IVORY DRIVE IDAHO FALLS, IA 83401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $64 | $2K | 3.13% |
| KRISTIN LEASE3 | 3890 HOWARD AVE LOS ALAMITOS, CA 90720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | $578 | $849 | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2600 ROSE HILL BOISE, ID 83705 | WILLAMETTE DENTAL OF IDAHO, INC. | $799 | $0 | $799 | 5.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL NORTHWEST ADMINISTRATORS | Contract Administrator Service code 13 | PO BOX 5815 BOISE, ID 83705 | $85K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMINISTRATOR | Contract Administrator Service code 13 | — | $27K |
| HUB INTERNATIONAL MOUNTAIN ADMINISTRATOR | Other commissions; Contract Administrator Service code 13 | 2600 ROSE HILL SUITE 101 BOISE, ID 83705 | $18K |
| DENISE MAXWELL ADMINISTRATORS | Contract Administrator Service code 13 | 3501 W TORANA DR MERIDIAN, ID 83646 | $10K |
| HUB INTERNATIONAL MOUNTAIN STATES ADMINISTRATORS | Contract Administrator Service code 13 | PO BOX 6006 SHERIDAN, WY 82801 | $7K |
| RONNY ANN WARNER ADMINISTRATORS | Contract Administrator Service code 13 | 470 E WHITBECK ST KUNA, ID 83634 | $4K |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $531K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $546K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $531K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 36 | $76K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 36 | $76K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 36 | $76K |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 156 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.