| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA DENTAL OF IDAHO3 | 555 E PARKCENTER BLVD BOISE, ID 83706 | DELTA DENTAL OF IDAHO | $4K | — | $4K | 2.88% |
| CASTLE LAKE INSURANCE LLC3 | PO BOX 2751 IDAHO FALLS, ID 83404 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 15.00% |
| MATTHEW B WALDRAM3 | P.O. BOX 2751 IDAHO FALLS, ID 834032751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 9.24% |
| DENISE A MAXWELL3 | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $459 | — | $459 | 1.20% |
| ZINA OSTER3 | 3153 FOREST DRIVE CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.29% |
| VIRGINIA KEZELE3 | 15377 W VERDE LN GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.13% |
| WILLIAM KEZELE3 | 4370 STONEBROOK LANE IDAHO FALLS, ID 83404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.09% |
| LOIS FLEENER3 | 3196 IVORY DRIVE IDAHO FALLS, ID 83401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $808 | — | $808 | 12.74% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $217 | — | $217 | 15.01% |
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 | 145 | $149K |
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 189 | $112K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 189 | $97K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 189 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.