| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 601478 CHARLOTTE, NC 282601478 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 2.36% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF IDAHO EIN 82-0299431 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $5.1M |
| BLUE CROSS OF IDAHO HEALTH SERVICE EIN 82-0344294 PLAN ADMINISTRATION | Plan Administrator Service code 14 | — | $3.5M |
| PEAK1 EIN 37-1668953 CLAIMS PROCESSING | Claims processing Service code 12 | — | $101K |
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 | 4,778 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 628 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF IDAHO, INC. | 2,057 | $841K |
| Vision(2 contracts) | VISION SERVICE PLAN | 5,013 | $942K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,734 | $3.4M |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,729 | $1.8M |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,773 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,013 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.