| 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. | $16K | $1K | $18K | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | DELTA DENTAL OF IDAHO | $994 | — | $994 | 3.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | THE STANDARD INSURANCE | $877 | $85 | $962 | 10.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE STANDARD INSURANCE | — | $182 | $182 | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W. CHINDEN BLVD STE 300 BOISE, ID 83713 | THE STANDARD INSURANCE | $638 | $83 | $721 | 11.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE STANDARD INSURANCE | — | $177 | $177 | 2.77% |
| RONALD L KENNEDY3 | 2216 W CLEARVUE CT EAGLE, ID 83616 | SYMETRA | $280 | — | $280 | 9.99% |
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 | 46 | 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) | 46 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | 47 | $507K |
| Dental | DELTA DENTAL OF IDAHO | 46 | $32K |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | 47 | $507K |
| Life insurance | THE STANDARD INSURANCE | 39 | $6K |
| Short-term disability | SYMETRA | 24 | $3K |
| Long-term disability | THE STANDARD INSURANCE | 32 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47 | — |
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.