| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | DELTA DENTAL OF IDAHO | $12K | $0 | $12K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | $0 | $21K | 16.32% |
| PETERSON INSURANCE SERVICES, LLC3 Filed as: PETERSON INSURANCE SERVICES | 9101 W FAIRVIEW AVE BOISE, ID 83704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.82% |
| 5 PEAKS SOLUTIONS LLC3 Filed as: 5 PEAKS SOLUTIONS | 12938 HONEY LANE MT VERNON, WA 98374 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD FL 11 ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $905 | $905 | 0.71% |
| CINDY SMART-TEALEY3 | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $4K | $5K | $9K | 9.35% |
| SCOTT HOWELL3 | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $4K | $5K | $9K | 9.35% |
| CINDY SMART-TEALEY3 | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | UNITED HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.37% |
| SCOTT HOWELL3 | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | UNITED HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GALLAGHER BENEFIT SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | 6967 S RIVER GATE DR SUITE 200 MIDVALE, UT 84047 | $51K |
| PETERSON INSURANCE SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | 9101 W FAIRVIEW AVE BOISE, ID 83704 | $7K |
| CINDY SMART-TEALEY ADMINISTRATOR | Contract Administrator Service code 13 | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | $5K |
| SCOTT HOWELL ADMINISTRATOR | Contract Administrator Service code 13 | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | $5K |
| 5 PEAKS SOLUTIONS ADMINISTRATOR | Contract Administrator Service code 13 | 12938 HONEY LN MT VERNON, WA 98374 | $2K |
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 | 470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 356 | $96K |
| Dental | DELTA DENTAL OF IDAHO | 200 | $196K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 470 | $80K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 470 | $208K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 263 | $127K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 470 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.