| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | DELTA DENTAL OF IDAHO | $13K | — | $13K | 5.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $2K | $12K | 9.36% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.38% |
| PETERSON INSURANCE SERVICES, LLC3 | 9101 WEST FAIRVIEW AVENUE BOISE, ID 83704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.15% |
| 5 PEAKS SOLUTIONS LLC3 Filed as: 5 PEAKS SOLUTIONS, LLC | 8904 FRANCES FOLSOM ST SW LAKEWOOD, WA 98499 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $830 | $0 | $830 | 0.66% |
| CARLYLE FINANCIAL, INC. | 2572 NORTH STOKESBERRY PLACE SUITE 100 MERIDAN, ID 83646 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | $0 | $114 | 0.09% |
| BRUCE ROBERT3 | PO BOX 44962 BOISE, ID 83711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | $0 | $112 | 0.09% |
| SCOTT HOWELL3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | BLUE CROSS OF IDAHO | $4K | $5K | $9K | 10.07% |
| CYNTHIA SMART-TEALEY3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | BLUE CROSS OF IDAHO | $4K | $5K | $9K | 10.07% |
| CYNTHIA SMART-TEALEY3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | UNITED HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.18% |
| SCOTT HOWELL3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | UNITED HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.18% |
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 | 540 | 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) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 695 | $305K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 540 | $91K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 540 | $216K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 273 | $125K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 540 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.