| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLACK INK BENEFITS3 | 136 S 1ST W REXBURG, ID 83440 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 2.29% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LP COEUR D ALENE, ID 83814 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 1.88% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1420 5TH AVE SUITE 1500 SEATTLE, WA 98101 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 1.23% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 9.44% |
| BLACK INK BENEFITS3 | 136 S 1ST W REXBURG, ID 83440 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 7.50% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.94% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $11K | 14.37% |
| BLACK INK BENEFITS3 | 136 S 1ST W REXBURG, ID 83440 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.50% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.79% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LP COEUR D ALENE, ID 83814 | USABLE LIFE | $7K | — | $7K | 10.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 450 COUNTRY CLUB ROAD SUITE 340 EUGENE, OR 97401 | USABLE LIFE | $3K | — | $3K | 5.68% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LP COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 338 | $231K |
| Vision | VISION SERVICE PLAN | 203 | $33K |
| Life insurance | USABLE LIFE | 624 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 597 | $105K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $73K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 624 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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.