| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB MARY PRITCHETT | PO BOX 5815 BOISE, ID 83705 | PACIFICSOURCE HEALTH PLANS | $28K | $0 | $28K | 2.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB TARA TANDROW | PO BOX 5815 BOISE, ID 83705 | PACIFICSOURCE HEALTH PLANS | $5K | $0 | $5K | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2600 ROSE HILL BOISE, ID 83705 | LIFEMAP ASSURANCE COMPANY | $18K | $0 | $18K | 17.02% |
| CAMBIA HEALTH SOLUTIONS3 | 100 SW MARKET STREET PORTLAND, OR 97201 | LIFEMAP ASSURANCE COMPANY | $2K | $0 | $2K | 1.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2600 W ROSE HILL STREET BOISE, ID 83705 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 11.22% |
| DENISE A MAXWELL3 Filed as: DENISE MAXWELL | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 22.46% |
| LOIS FLEENER3 | 3196 IVORY DRIVE IDAHO FALLS, IA 83401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.22% |
| SUSAN GOLD STOKES3 Filed as: SUSAN STOKES | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $134 | $1K | 2.65% |
| KIMBERLY PETERSON3 | 1860 S GOLDSMITH AVENUE MERIDIAN, ID 83642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $609 | $0 | $609 | 1.32% |
| DUANE FRY3 | 3707 ANITA AVE PASADENA, CA 91107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $131 | $282 | 0.61% |
| ALEX C MARTI3 Filed as: ALEX MARTI | 516 E ROCKINGHAM DR EAGLE, ID 83616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $0 | $207 | 0.45% |
| MCCAREY INC3 | 6320 GREENHAVEN DR CARLSBAD, CA 92009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $5 | $18 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2600 ROSE HILL BOISE, ID 83705 | WILLAMETTE DENTAL OF IDAHO, INC. | $791 | $2K | $3K | 16.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL ADMINISTRATOR | Contract Administrator; Other commissions Service code 13 | 3315 45 ST S STE 100 FARGO, ND 58104 | $66K |
| DENISE MAXWELL ADMINISTRATORS | Contract Administrator Service code 13 | 3501 W TORANA DR MERIDIAN, ID 83646 | $10K |
| LOIS FLEENER ADMINISTRATORS | Contract Administrator Service code 13 | 3196 IVORY DRIVE IDAHO FALLS, ID 83401 | $3K |
| CAMBIA HEALTH SOLUTIONS ADMINISTRATOR | Contract Administrator; Other commissions Service code 13 | 100 SW MARKET STREET PORTLAND, OR 97201 | $2K |
| ALEX MARTI ADMINISTRATORS | Contract Administrator Service code 13 | 516 E ROCKINGHAM DR EAGLE, ID 83616 | $207 |
| MCCAREY ADMINISTRATORS | Contract Administrator Service code 13 | 6320 GREENHAVEN DR CARLSBAD, CA 92009 | $17 |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 143 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $81K |
| Vision | LIFEMAP ASSURANCE COMPANY | 209 | $106K |
| Life insurance(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 209 | $153K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 209 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
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.