| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALLARD INSURANCE GROUP LLC3 | 147 N 2ND E STE 1 REXBURG, ID 83440 | LIFEMAP ASSURANCE COMPANY | $27K | $0 | $27K | 13.89% |
| BALLARD INSURANCE GROUP LLC3 | 147 N 2ND E SUITE 1 REXBURG, ID 83340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.12% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $452 | — | $452 | 0.89% |
| 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; Other fees; Claims processing Service code 12 | PO BOX 7408 BOISE, ID 83707 | $800K |
| DARRALD TODD BEAN | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3922 RAMPART BOISE, ID 83704 | $31K |
| STANLEY WALTER CLEMENTS EIN 82-0409975 | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 161 PAYETTE, ID 83661 | $31K |
| INTEGRAFLEX EIN 26-0404651 | Direct payment from the plan; Claims processing Service code 12 | 2402 WEST JEFFERSON STREET BOISE, ID 83702 | $9K |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFEMAP ASSURANCE COMPANY | 334 | $191K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 334 | $191K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 334 | $191K |
| Other(3 contracts, 3 carriers) | LIFEMAP ASSURANCE COMPANY | 334 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.