| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | DELTA DENTAL OF IDAHO | $9K | — | $9K | 3.92% |
| INSURANCE OFFICE OF AMERICA3 | — | DELTA DENTAL OF IDAHO | $16 | — | $16 | 0.01% |
| TRAVIS PACKER3 | 13965 W. CHINDEN BLVD. STE 300 BOISE, ID 83713 | UNITED HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 11.42% |
| MATTHEW WILLIAMSON3 | 1855 W. ST. ROAD 434 LONGWOOD, FL 32750 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1900 WEST LOOP S. SUITE 1600 HOUSTON, TX 77027 | REGENCE BLUESHIELD OF IDAHO, INC. | $108K | — | $108K | 100.00% |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 453 | $108K |
| Dental | DELTA DENTAL OF IDAHO | 281 | $240K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 324 | $185K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 324 | $185K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 324 | $185K |
| Other | UNITED HERITAGE LIFE INSURANCE COMPANY | 324 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.