| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.58% |
| CONNEXION INSURANCE SOLUTIONS3 | PO BOX 743979 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.56% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 16.52% |
| HOLLY HALL3 | 2662 E UPPER HAYDEN LAKE ROAD HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.66% |
| DENNIS HANSEN3 | 6636 W MORRIS HILL LN BOISE, ID 83704 | CONTINENTAL AMERICAN INSURANCE COMPANY | $940 | — | $940 | 3.16% |
| BRANDON JAROM DAW3 Filed as: BRANDON DAW | 2174 IRENE LN IDAHO FALLS, ID 83404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $407 | — | $407 | 1.37% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $95K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $95K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $95K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.