| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALLARD INSURANCE GROUP LLC3 | 147 N 2ND E, SUITE 1 REXBURG, ID 83440 | LIFEMAP ASSURANCE COMPANY | $38K | — | $38K | 13.97% |
| BALLARD INSURANCE GROUP LLC3 | 1000 W 14TH NORTH REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 11.77% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.62% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $272 | $3 | $275 | 0.30% |
| STANLEY WALTER CLEMENTS3 | PO BOX 161 PAYETTE, ID 83661 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $437 | $0 | $437 | 0.73% |
| DARRALD TODD BEAN3 | 3922 RAMPART BOISE, ID 83704 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $436 | — | $436 | 0.73% |
| DARRALD TODD BEAN3 Filed as: DARRALD BEAN INSURANCE | 4090 WEST STATE STREET, #8 BOISE, ID 83073 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO HEALTH SERVICE EIN 82-0344294 | Claims processing; Direct payment from the plan; Other fees Service code 12 | PO BOX 7408 BOISE, ID 83707 | $950K |
| DARRALD TODD BEAN | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3922 RAMPART BOISE, ID 83704 | $33K |
| STANLEY WALTER CLEMENTS | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | PO BOX 161 PAYETTE, ID 83661 | $33K |
| HEALTH EQUITY INC. EIN 52-2383166 | Direct payment from the plan; Claims processing Service code 12 | 15 W SCENIC POINTE DRIVE, SUITE 100 DRAPER, UT 84020 | $5K |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 73 | $60K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 403 | $269K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 403 | $269K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 403 | $269K |
| Other(3 contracts, 3 carriers) | LIFEMAP ASSURANCE COMPANY | 409 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.