| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK WOODWORTH3 | PO BOX 3725 COEUR D ALENE, ID 83816 | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | $19K | $2K | $21K | 2.56% |
| MARK FISHER C/O ADVANCED INC3 Filed as: MARK A WOODWORTH | HELBLING BENEFITS PO BOX 3725 COEUR D ALENE, ID 838162529 | UNITED HERITAGE LIFE INS CO | $4K | — | $4K | 7.74% |
| MARK FISHER C/O ADVANCED INC Filed as: MARK A WOODWORTH | PO BOX 3725 COEUR D ALENE, ID 83875 | DELTA DENTAL | $1K | — | $1K | 3.64% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | 104 | $817K |
| Dental | DELTA DENTAL | 35 | $31K |
| Vision | UNITED HERITAGE LIFE INS CO | 100 | $51K |
| Life insurance | UNITED HERITAGE LIFE INS CO | 100 | $51K |
| Short-term disability | UNITED HERITAGE LIFE INS CO | 100 | $51K |
| Long-term disability | UNITED HERITAGE LIFE INS CO | 100 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.