| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAD MURRAY3 Filed as: CHAD R. MURRAY | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | BLUE CROSS OF IDAHO | $28K | $0 | $28K | 4.27% |
| CHAD MURRAY3 Filed as: CHAD R. MURRAY | PO BOX 3725 COEUR D ALENE, ID 83816 | UNITED HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.77% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS INS. SVCS., LLC | 601 EAST FRONT AVENUE, SUITE 502 COEUR D ALENE, ID 83814 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $213 | $4K | 15.49% |
| KACI LEE BISHOP3 | 16511 EAST SPRAGUE AVENUE, UNIT F5 SPOKANE VALLEY, WA 99037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $594 | $25 | $619 | 2.44% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $167 | $492 | 1.94% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $246 | $424 | 1.67% |
| TRICIA MILLER3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $0 | $142 | 0.56% |
| GABRIEL ANGEL CANALS3 | 1549 NW CIVIC DRIVE, APARTMENT 204 GRESHAM, OR 97030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $30 | $100 | 0.39% |
| ROXANA BUSCHMAN3 Filed as: ROXANA BUSCHMAN & OTHERS | 400 NE 149TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.22% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS INS. SVCS., LLC | 601 EAST FRONT AVENUE, SUITE 502 COEUR D ALENE, ID 83814 | ALLYHEALTH | $3K | — | $3K | 20.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 330 EAST LAKESIDE AVENUE COEUR D ALENE, ID 83815 | NORTHWEST DENTAL BENEFITS | $385 | $0 | $385 | 5.86% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO | 220 | $653K |
| Vision | BLUE CROSS OF IDAHO | 220 | $647K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 144 | $44K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 144 | $44K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 144 | $44K |
| Other(3 contracts, 3 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 145 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.