| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN BOISE, ID 83704 | COMBINED INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 15.56% |
| HAYLEY M. ARCHULETA3 | UNKNOWN BOISE, ID 83704 | COMBINED INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 11.49% |
| SCOTT HOWELL3 | 2487 WEST NAVIGATOR DRIVE SUITE 140 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO | $5K | $5K | $10K | 9.59% |
| CYNTHIA SMART-TEALEY3 Filed as: CYNTHIA R. SMART-TEALEY | 2487 WEST NAVIGATOR DRIVE SUITE 140 BOISE, ID 83642 | BLUE CROSS OF IDAHO | $5K | $5K | $10K | 9.59% |
| CYNTHIA SMART-TEALEY3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | UNITED HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.28% |
| SCOTT HOWELL3 | 13965 WEST CHINDEN BOULEVARD BOISE, ID 83713 | UNITED HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.28% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS, LLC | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $859 | $0 | $859 | 6.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, CA 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $715 | $0 | $715 | 5.31% |
| PETERSON INSURANCE SERVICES, LLC3 Filed as: PETERSON INSURANCE SVCS, LLC | 9101 WEST FAIRVIEW AVENUE BOISE, CA 83704 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $635 | $0 | $635 | 4.72% |
| 5 PEAKS SOLUTIONS LLC3 Filed as: 5 PEAKS SOLUTIONS, LLC | 8904 FRANCES FOLSOM STSW LAKEWOOD, CA 98499 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | $0 | $50 | 0.37% |
| BRUCE ROBERT3 | PO BOX 44962 BOISE, CA 83711 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.18% |
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 | 566 | 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) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 740 | $316K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 566 | $95K |
| Life insurance(2 contracts, 2 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 566 | $109K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 5 | $13K |
| Other(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 566 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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.