| 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. | $19K | $2K | $21K | 3.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4200 CORPORATE DRIVE STE 160 WEST DES MOINES, IA 50266 | DELTA DENTAL OF IDAHO | $1K | — | $1K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4200 CORPORATE DRIVE STE 160 WEST DES MOINES, IA 50266 | THE STANDARD INSURANCE | $981 | $302 | $1K | 13.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4200 CORPORATE DRIVE STE 160 WEST DES MOINES, IA 50266 | THE STANDARD INSURANCE | $607 | $205 | $812 | 13.38% |
| RONALD L KENNEDY3 | 2216 W CLEARVUE CT EAGLE, ID 83616 | SYMETRA | $337 | — | $337 | 11.02% |
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 | 52 | 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) | 52 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | 52 | $666K |
| Dental | DELTA DENTAL OF IDAHO | 52 | $38K |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICES, INC. | 52 | $666K |
| Life insurance | THE STANDARD INSURANCE | 49 | $6K |
| Short-term disability | SYMETRA | 30 | $3K |
| Long-term disability | THE STANDARD INSURANCE | 48 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.