| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB BRIAN DELANEY | 900 PANCHERI DR SUITE B IDAHO FALLS, ID 83402 | BLUE CROSS OF IDAHO HEALTH SERVICE INC. | $32K | $5K | $37K | 3.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB ANGEL RUNNELS | 800 COFFEEN AVE SHERIDAN, WY 82801 | BLUE CROSS OF IDAHO HEALTH SERVICE INC. | $15K | $0 | $15K | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | NEW PATH MUTUAL INSURANCE | $0 | $38K | $38K | 28.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3315 45 ST S SUITE 100 FARGO, ND 58104 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $862 | $0 | $862 | 1.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3315 45 ST S SUITE 100 FARGO, ND 58104 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $672 | $0 | $672 | 1.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3315 45 ST S SUITE 100 FARGO, ND 58104 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 8.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $865 | $0 | $865 | 5.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $122 | $0 | $122 | 0.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL ADMINISTRATOR | Contract Administrator; Other commissions Service code 13 | 3315 45 ST S STE 100 FARGO, ND 58104 | $74K |
| GALLAGHER BENEFIT SERVICES ADMINISTRATOR | Contract Administrator; Other commissions Service code 13 | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | $32K |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE INC. | 172 | $1.2M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 148 | $83K |
| Vision | STANDARD INSURANCE COMPANY | 138 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 212 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.