| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LP COEUR D ALENE, ID 83814 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 2.50% |
| BLACK INK BENEFITS3 | 136 S 1ST W REXBURG, ID 83440 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 2.50% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LP COEUR D ALENE, ID 83814 | LIFEMAP ASSURANCE COMPANY | $19K | — | $19K | 16.01% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 11.27% |
| 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 | — | $2K | $2K | 3.77% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $5K | $8K | 20.66% |
| BLACK INK BENEFITS3 | 136 S 1ST W REXBURG, ID 83440 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.05% |
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 | 661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 283 | $208K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 623 | $118K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $41K |
| Other(3 contracts, 3 carriers) | LIFEMAP ASSURANCE COMPANY | 661 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.