| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC Filed as: ACRISURE LLC DBA THE MURRAY GROUP | 330 E LAKESIDE AVE STE 301 COEUR DALENE, ID 83814 | REGENCE BLUESHIELD OF IDAHO, INC. | $46K | — | $46K | 11.05% |
| MYRIAD BENEFITS INC Filed as: MYRIAD BENEFITS, LLC | 2929 W NAVIGATOR DR STE 130 MERIDIAN, ID 83642 | DELTA DENTAL OF IDAHO | $2K | $12K | $14K | 19.00% |
| MYRIAD BENEFITS INC5 Filed as: MYRIAD BENEFITS, LLC | 2929 W NAVIGATOR DR STE 130 MERIDIAN, ID 83642 | WILLAMETTE DENTAL GROUP | $3K | $7K | $10K | 16.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC | 2929 W NAVIGATOR DR STE 130 MERIDIAN, ID 83642 | VISION SERVICE PLAN | $2K | — | $2K | 4.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO, INC EIN 82-0206874 CLAIMS PROCESSING SERVICE | Claims processing; Insurance brokerage commissions and fees; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator Service code 12 | — | $178K |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 401 | $419K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 136 | $135K |
| Vision | VISION SERVICE PLAN | 169 | $36K |
| Stop-loss / reinsurancereinsurance | REGENCE BLUESHIELD OF IDAHO, INC. | 401 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.