| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT. MOUNTAIN STATES, LTD | 157 RIVER VISTA DRIVE TWIN FALLS, ID 83301 | PAN-AMERICAN LIFE INSURANCE COMPANY | $23K | — | $23K | 11.54% |
| TRUDY DANE3 Filed as: TRUDY R DANE | PO BOX 5099 TWIN FALLS, ID 83303 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $825 | — | $825 | 0.56% |
| TONI PRICE3 | PO BOX 5099 TWIN FALLS, ID 83303 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $825 | — | $825 | 0.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT. MOUNTAIN STATES, LTD | 157 RIVER VISTA DRIVE TWIN FALLS, ID 83301 | WILLAMETTE DENTAL OF IDAHO, INC. | $1K | — | $1K | 5.00% |
| TRUDY DANE3 Filed as: TRUDY R DANE | 157 RIVER VISTA DRIVE TWIN FALLS, ID 83301 | UNITED HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 5.02% |
| TONI PRICE3 | PO BOX 5099 TWIN FALLS, ID 83303 | UNITED HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 5.02% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 202 | $348K |
| Dental | WILLAMETTE DENTAL OF IDAHO, INC. | 57 | $23K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 17 | $2K |
| Life insurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 202 | $200K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 202 | $200K |
| Other | PAN-AMERICAN LIFE INSURANCE COMPANY | 202 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.