| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLACK INK BENEFITS3 Filed as: BLACK INK INSURANCE INC. | 309 PROFIT STREET # 1104 REXBURG, ID 83440 | REGENCE BLUESHIELD OF IDAHO, INC. | $73K | $5K | $78K | 7.86% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFITS INC. | 2185 N. CALIFORNIA BLVD SUITE 400 WALNUT CRK, CA 94596 | REGENCE BLUESHIELD OF IDAHO, INC. | $67K | $179 | $68K | 6.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 450 COUNTRY CLUB RD. SUITE 340 EUGENE, OR 97401 | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | 2.69% |
| BLACK IN INSURANCE INC.3 | 136 SOUTH 1ST WEST REXBURG, ID 83440 | DELTA DENTAL INSURANCE COMPANY | $6K | — | $6K | 2.30% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED LLC | 2248 N. MERRITT CREEK LOOP COEUR DALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 9.38% |
| BLACK INK BENEFITS3 Filed as: BLACK INK INSURANCE | 136 SOUTH 1ST WEST REXBURG, ID 83440 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.50% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 3700 PARK EAST DR. SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC. HQ | 18100 VON KARNAN AVE. 10TH FLOOR IRVINE, CA 92612 | UNUM | — | $185 | $185 | 0.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - CHARLOTTE | 4725 PIEDMONT ROW DRIVE SUIT 510 CHARLOTTE, NC 28210 | UNUM | — | $35 | $35 | 0.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 450 COUNTRY CLUB RD. SUITE 340 EUGENE, OR 97401 | USABLE LIFE | $11K | — | $11K | 17.11% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFITS INC | 2448 N. MERRITT CREEK LOOP COEUR DALENE, ID 83814 | USABLE LIFE | $2K | — | $2K | 3.29% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED LLC | 2248 N. MERRITT CREEK LOOP COEUR DALANE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 14.12% |
| BLACK INK BENEFITS3 Filed as: BLACK INK INSURANCE | 136 SOUTH 1ST WEST REXBURG, ID 83440 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 3700 PARK EAST DR. SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.90% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFITS INC | 2448 N. MERRITT CREEK LOOP COEUR DALENE, ID 83814 | VSP VISION CARE | — | $4K | $4K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 450 COUNTRY CLUB RD. SUITE 340 EUGENE, OR 97403 | USABLE LIFE | $2K | — | $2K | 17.22% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFITS INC | 2448 N. MERRITT CREEK LOOP COEUR DALENE, ID 83814 | USABLE LIFE | $493 | — | $493 | 4.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 450 COUNTRY CLUB RD. SUITE 340 EUGENE, OR 97401 | USABLE LIFE | $676 | — | $676 | 8.31% |
| ADVANCES BENEFITS INC.3 | 2448 N. MERRITT CREEK LOOP COEUR DALENE, ID 83814 | USABLE LIFE | $229 | — | $229 | 2.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO, INC EIN 82-0206874 CLAIM PROCESSING | Non-monetary compensation; Direct payment from the plan; Other services; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Float revenue Service code 12 | 1602 21ST AVE LEWISTON, ID 83501 | $300K |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 576 | $998K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 329 | $265K |
| Vision | VSP VISION CARE | 236 | $41K |
| Life insurance(3 contracts) | USABLE LIFE | 576 | $86K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 550 | $169K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $55K |
| Stop-loss / reinsurancereinsurance | REGENCE BLUESHIELD OF IDAHO, INC. | 576 | $998K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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.