| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT HOWELL3 | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | $12K | $544 | $13K | 3.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | DELTA DENTAL OF IDAHO | $740 | — | $740 | 3.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | THE STANDARD INSURANCE | $843 | $103 | $946 | 11.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE STANDARD INSURANCE | $0 | $165 | $165 | 1.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W. CHINDEN BLVD STE 300 BOISE, ID 83713 | THE STANDARD INSURANCE | $761 | $98 | $859 | 11.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE STANDARD INSURANCE | $0 | $156 | $156 | 2.05% |
| RONALD L KENNEDY3 | 2216 W CLEARVUE CT EAGLE, ID 83616 | SYMETRA | $241 | — | $241 | 10.00% |
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 | 36 | 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) | 36 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | 35 | $390K |
| Dental | DELTA DENTAL OF IDAHO | 36 | $24K |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | 35 | $390K |
| Life insurance | THE STANDARD INSURANCE | 34 | $8K |
| Short-term disability | SYMETRA | 20 | $2K |
| Long-term disability | THE STANDARD INSURANCE | 35 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.