| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | SYMETRA LIFE INSURANCE COMPANY | $38K | — | $38K | 14.24% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INS SOLUTIONS | 9725 3RD AVE NE #110 SEATTLE, WA 98115 | SYMETRA LIFE INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| MATTHEW B WALDRAM3 Filed as: MATTHEW WALDRAM | 1601 ANTLER DR IDAHO FALLS, ID 83404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $473 | — | $473 | 2.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVE SUITE 1400 BIRMINGHAM, AL 35203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | — | $372 | 1.72% |
| ROD FURNISS EMPLOYEE BENEFITS3 Filed as: ROD FURNISS | 136 S 1ST W REXBURG, ID 83440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | — | $278 | 1.28% |
| DENISE A MAXWELL3 Filed as: DENISE MAXWELL | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | — | $198 | 0.91% |
| GABRIEL APONTE3 | 355 PARTRIDGE LN REXBURG, ID 83440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.41% |
| LYNSAY GROSS3 | 472 WEST CAGNEY DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.13% |
| MARY BROOK FORD-PRITCHETT3 | 2108 N HARRISON BLVD BOISE, ID 83702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.08% |
| LOIS FLEENER3 | 3196 IVORY DR IDAHO FALLS, ID 83401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| JARED PRATT3 | 900 WASHINGTON ST SUITE 1050 VANCOUVER, WA 98660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 479 | $264K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 479 | $264K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 479 | $264K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 479 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.