| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHELLI STAYNER3 Filed as: SHELLI R STAYNER | 800 W MAIN STREET BOISE, ID 83702 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $150K | $24K | $174K | 4.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF IDAHO | $23K | — | $23K | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | WILLAMETTE DENTAL OF IDAHO, INC. | $6K | — | $6K | 4.54% |
| SHELLI STAYNER3 | 800 W MAIN ST STE 1250 BOISE, ID 83702 | UNITED HERITAGE LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.33% |
| SHELLI STAYNER3 | 800 W MAIN ST STE 1250 BOISE, ID 83702 | UNITED HERITAGE LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.22% |
| SHELLI STAYNER3 | 800 W MAIN ST STE 1250 BOISE, ID 83702 | UNITED HERITAGE LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.31% |
| SHELLI STAYNER3 | 800 W MAIN ST STE 1250 BOISE, ID 83702 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | $883 | $2K | 5.93% |
| SHELLI STAYNER3 | 800 W MAIN ST STE 1250 BOISE, ID 83702 | UNITED HERITAGE LIFE INSURANCE COMPANY | $5K | $739 | $6K | 17.12% |
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 | 838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 1,718 | $3.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 629 | $587K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 800 | $85K |
| Life insurance(2 contracts) | UNITED HERITAGE LIFE INSURANCE COMPANY | 838 | $73K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 314 | $45K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 351 | $59K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 1,718 | $3.8M |
| Other(2 contracts, 2 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 838 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,718 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.