| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK ILGENFRITZ3 Filed as: MARK FISHER | 2448 MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | BLUE CROSS OF IDAHO | $44K | — | $44K | 4.52% |
| JESSICA BONAR3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | BLUE CROSS OF IDAHO | $5K | — | $5K | 0.46% |
| ADVANCED BENEFIT INC3 | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.93% |
| HOLLY A MARITA3 Filed as: HOLLY KRISTINE HALL | 2662 EAST UPPER HAYDEN LAKE ROAD HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.15% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED INCORPORATED DBA | 2448 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.24% |
| LISA M HALL3 Filed as: LISA MICHELLE HALL | 2542 EAST SUNDOWN DRIVE COUER D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.42% |
| TERRY K ALLEN3 | 20930 EAST HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $995 | — | $995 | 2.00% |
| JESSICA LYNN RIZZUTO3 | 505 NORTH ARGONNE ROAD BUILDING C SPOKANE VALLEY, WA 99212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $977 | — | $977 | 1.97% |
| SUSAN MENSCHING3 Filed as: SUSAN LEE MENSCHING | 3114 WEST 5TH AVENUE SPOKANE, WA 99224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $811 | — | $811 | 1.63% |
| ADVANCED BENEFIT INC3 | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 30.47% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $536 | $536 | 2.89% |
| ADVANCED BENEFIT INC3 | 2248 NORTH MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $4K | 40.43% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $254 | $254 | 2.80% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO | 100 | $973K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $90K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $90K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $90K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $9K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.