| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC. | 280 E. CORPORATE DR., STE 200 MERIDIAN, ID 83642 | WILLAMETTE DENTAL OF IDAHO, INC. | $1K | — | $1K | 4.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| M S ADMINISTRATIVE SERVICES, INC. EIN 82-0380872 TPA | Contract Administrator Service code 13 | — | $63K |
| MST INSURANCE AGENCY EIN 82-0382503 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $38K |
| WILLAMETTE DENTAL OF IDAHO, INC. EIN 93-1253100 DENTAL PROVIDER | Contract Administrator Service code 13 | — | $26K |
| STRATOSE EIN 26-1790538 NETWORK PROVIDER | Claims processing Service code 12 | — | $8K |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US FIRE INSURANCE COMPANY | 213 | $261K |
| Dental(2 contracts, 2 carriers) | US FIRE INSURANCE COMPANY | 213 | $286K |
| Prescription drug | US FIRE INSURANCE COMPANY | 213 | $261K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 213 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.