| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY FALLICK3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF IDAHO HEALTH INSURANCE INC. | $37K | $3K | $39K | 8.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 202 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF IDAHO | $5K | — | $5K | 3.99% |
| SUSAN BROCKE3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.37% |
| MELINDA MCDANIEL3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.37% |
| SUSAN BROCKE3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $673 | — | $673 | 1.92% |
| MELINDA MCDANIEL3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $673 | — | $673 | 1.92% |
| SUSAN BROCKE3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.56% |
| MELINDA MCDANIEL3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.56% |
| SUSAN BROCKE3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $756 | — | $756 | 5.00% |
| MELINDA MCDANIEL3 | 830 NORTH MAIN STREET, SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INSURANCE COMPANY | $756 | — | $756 | 5.00% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH INSURANCE INC. | 310 | $490K |
| Dental | DELTA DENTAL OF IDAHO | 156 | $117K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 145 | $15K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 0 | $35K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 278 | $43K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 74 | $24K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH INSURANCE INC. | 310 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.