| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11850 SW 67TH AVE STE 100 PORTLAND, OR 97223 | SYMETRA LIFE INSURANCE CO | — | $547 | $547 | 3.90% |
| THE PARTNERS GROUP3 Filed as: THE PARTNERS GROUP LTD | 11850 SW 67TH AVE SUITE 100 PORTLAND, OR 97223 | SYMETRA LIFE INSURANCE COMPANY | — | $40 | $40 | 3.81% |
| SHELLI STAYNER3 | 11850 SW 67TH AVE SUITE 100 PORTLAND, OR 97223 | BLUE CROSS OF IDAHO HEALTH SERVICE INC | $70K | — | $70K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO EIN 82-0344294 NONE | Claims processing Service code 12 | — | $124K |
| THE PARTNERS GROUP CONSULTING EIN 93-1300504 NONE | Consulting (general) Service code 16 | — | $70K |
| LEAVITT, CHRISTENSEN & CO., PLLC EIN 82-0398216 NONE | Accounting (including auditing) Service code 10 | — | $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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE CO | 148 | $15K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO HEALTH SERVICE INC | 159 | $0 |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE CO | 148 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.