| 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 | $31K | $10K | $41K | 17.96% |
| BALLARD INSURANCE GROUP LLC3 | 1000 W 14TH STREET REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 12.17% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $293 | $0 | $293 | 0.51% |
| DARRALD TODD BEAN3 | 3922 RAMPART BOISE, ID 83704 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | — | $477 | $477 | 0.89% |
| STANLEY WALTER CLEMENTS3 | PO BOX 161 PAYETTE, ID 83661 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | — | $477 | $477 | 0.89% |
| DARROLD BEAN INSURANCE3 | 4090 WEST STATE STREET, #8 BOISE, ID 83073 | ZURICH AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO HEALTH SERVICE EIN 82-0344294 | Other fees; Claims processing; Direct payment from the plan Service code 12 | PO BOX 7408 BOISE, ID 83707 | $864K |
| DARRALD TODD BEAN | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 3922 RAMPART BOISE, ID 83704 | $37K |
| STANLEY WALTER CLEMENTS EIN 82-0409975 | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 161 PAYETTE, ID 83661 | $37K |
| NUESYNERGY, INC. EIN 46-0553674 | Claims processing; Direct payment from the plan Service code 12 | 4601 COLLEGE BLVD. STE 280 LEAWOOD, KS 66211 | $11K |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 310 | $53K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 392 | $228K |
| Short-term disability(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 392 | $285K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 392 | $228K |
| Other(3 contracts, 3 carriers) | LIFEMAP ASSURANCE COMPANY | 399 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.