| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALLARD INSURANCE GROUP LLC3 | 1000 WEST 14TH NORTH REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 10.45% |
| BALLARD INSURANCE GROUP LLC3 | 1000 W 14TH NORTH REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $790 | $10K | 19.41% |
| DARRALD TODD BEAN3 Filed as: DARRALD BEAN INSURANCE | 4090 WEST STATE STREET #8 BOISE, ID 83703 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO HEALTH SERVICE EIN 82-0344294 | Direct payment from the plan; Claims processing; Other fees Service code 12 | PO BOX 7408 BOISE, ID 83707 | $664K |
| DARRALD TODD BEAN | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3922 RAMPART BOISE, ID 83704 | $25K |
| STANLEY WALTER CLEMENTS EIN 82-0409975 | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 161 PAYETTE, ID 83661 | $25K |
| INTEGRATED DISABILITY MANAGEMENT IN EIN 26-0404651 | Direct payment from the plan; Claims processing Service code 12 | 2402 WEST JEFFERSON STREET BOISE, ID 83702 | $8K |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $156K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $103K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $103K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.