| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 13965 W CHINDEN STE 300 BOISE, ID 83713 | REGENCE BLUESHIELD OF IDAHO | $30K | — | $30K | 12.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $612 | — | $612 | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $223 | — | $223 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $245 | — | $245 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUE SHIELD OF IDAHO EIN 82-0206874 NONE | Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $74K |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO | 109 | $237K |
| Dental | DELTA DENTAL OF IDAHO | 116 | $103K |
| Vision | REGENCE BLUESHIELD OF IDAHO | 109 | $237K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $6K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $11K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.