| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGENCY INC | PO BOX 571431 MURRAY, UT 84157 | REGENCE BLUESHIELD OF IDAHO, INC. | $32K | $6K | $39K | 4.54% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE | 4393 S RIVERBOAT RD STE 200 SALT LAKE CITY, UT 84123 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 11.96% |
| TODD VALENTINE3 | 4334 N BRIGHT ANGEL AVE MERIDIAN, ID 83646 | MOTIVHEALTH | $2K | $0 | $2K | 6.74% |
| LEAVITT GROUP3 Filed as: BEEHIVE INSURANCE AGCY INC | PO BOX 571431 SALT LAKE CITY, UT 84157 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $78 | $78 | 0.78% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 88 | $851K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 162 | $112K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 162 | $112K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 162 | $112K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 162 | $112K |
| Prescription drug | MOTIVHEALTH | 6 | $24K |
| Stop-loss / reinsurancereinsurance | MOTIVHEALTH | 6 | $24K |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 162 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.