| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUE CROSS OF IDAHO HEALTH INSURANCE INC. | $43K | $6K | $49K | 9.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 202 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF IDAHO | $4K | — | $4K | 3.61% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| SUSAN BROCKE3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $633 | — | $633 | 1.84% |
| MELINDA MCDANIEL3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $633 | — | $633 | 1.84% |
| ROBERT TIERNEY3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $172 | — | $172 | 0.50% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.02% |
| SUSAN BROCKE3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $334 | — | $334 | 1.57% |
| MELINDA MCDANIEL3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $334 | — | $334 | 1.57% |
| ROBERT TIERNEY3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $176 | — | $176 | 0.83% |
| NORTHWEST BENEFITS ADVISORY GROUP3 | 2722 EAST MARGATE COURT EAGLE, ID 83616 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $728 | $2K | 17.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $251 | $2K | 13.85% |
| DENISE A MAXWELL3 | 3501 WEST TORANA DRIVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $715 | $158 | $873 | 6.45% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $77 | $234 | 1.73% |
| LYNSAY GROSS3 | 472 WEST CAGNEY STREET MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 1.35% |
| MARY BROOK FORD-PRITCHETT3 | 2108 NORTH HARRISON BOULEVARD BOISE, ID 83702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.16% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED HERITAGE LIFE INSURANCE COMPANY | $338 | — | $338 | 2.61% |
| SUSAN BROCKE3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $175 | — | $175 | 1.35% |
| MELINDA MCDANIEL3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $175 | — | $175 | 1.35% |
| ROBERT TIERNEY3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.58% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.94% |
| SUSAN BROCKE3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 2.35% |
| MELINDA MCDANIEL3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 2.35% |
| ROBERT TIERNEY3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 1.08% |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH INSURANCE INC. | 361 | $520K |
| Dental | DELTA DENTAL OF IDAHO | 188 | $104K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 185 | $21K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 293 | $13K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 293 | $34K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 72 | $11K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH INSURANCE INC. | 361 | $520K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.