| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHARON COUCH4 | 715 SHOSHONE ST NORTH TWIN FALLS, ID 83301 | BLUE CROSS OF IDAHO | — | $65K | $65K | — |
| SHARON COUCH3 | 715 SHOSHONE ST NORTH TWIN FALLS, ID 83301 | BLUE CROSS OF IDAHO | $1K | — | $1K | — |
| SHARON COUCH5 | 715 SHOSHONE ST NORTH TWIN FALLS, ID 83301 | BLUE CROSS OF IDAHO | — | $150 | $150 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STAFF BENEFITS MANAGEMENT, INC EIN 81-1242192 N/A | Insurance brokerage commissions and fees; Plan Administrator Service code 14 | 2365 NORTHSIDE DR SUITE 575 SAN DIEGO, CA 92108 | $0 |
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 | 64 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 64 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | BLUE CROSS OF IDAHO | 64 | $0 |
| Short-term disability | BLUE CROSS OF IDAHO | 64 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO | 64 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64 | — |
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."
No prospect flags tripped on this filing.