| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA DENTAL OF IDAHO3 | P.O. BOX 2870 BOISE, ID 83701 | DELTA DENTAL OF IDAHO | $4K | — | $4K | 3.00% |
| MATTHEW B WALDRAM3 | P.O. BOX 2751 IDAHO FALLS, ID 834032751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.29% |
| CASTLE LAKE INSURANCE LLC3 | P.O. BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $293 | — | $293 | 0.53% |
| MATTHEW B WALDRAM3 | P.O. BOX 2751 IDAHO FALLS, ID 834032751 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.69% |
| CASTLE LAKE INSURANCE LLC3 | P.O. BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $533 | — | $533 | 1.31% |
| MATTHEW B WALDRAM3 | P.O. BOX 2751 IDAHO FALLS, ID 834032751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.51% |
| DENISE A MAXWELL3 | 4948 KOOTENAI ST BOISE, ID 83705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $90 | $364 | 1.06% |
| ZINA OSTER3 | 5665 MEADOWS ROAD LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | — | $151 | 0.44% |
| VIRGINIA KEZELE3 | 2211 CANDLERIDGE DR TWIN FALLS, ID 83301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.17% |
| WILLIAM KEZELE3 | P.O. BOX 5597 TWIN FALLS, ID 833035597 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.13% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IDAHO | 136 | $127K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $97K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $56K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.