| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALLARD INSURANCE GROUP LLC3 | 147 NORTH 2ND EAST, SUITE 1 REXBURG, ID 83440 | LIFEMAP ASSURANCE COMPANY | $39K | $11K | $50K | 17.40% |
| BALLARD INSURANCE GROUP LLC3 | 147 NORTH 2ND EAST, SUITE 1 REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 12.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.21% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $268 | $4 | $272 | 0.30% |
| STANLEY WALTER CLEMENTS3 | PO BOX 161 PAYETTE, ID 83661 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $407 | $5K | $5K | 9.12% |
| DARRALD TODD BEAN3 | 3922 RAMPART BOISE, ID 83704 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $407 | $5K | $5K | 9.12% |
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 | 442 | 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. |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 137 | $58K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 414 | $290K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 414 | $290K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 414 | $290K |
| Other(3 contracts, 3 carriers) | LIFEMAP ASSURANCE COMPANY | 414 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.