| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT BURKHARDT3 Filed as: SCOTT M BURKHARDT | P.O. BOX 1799 COEUR D ALENE, ID 83816 | REGENCE BLUESHIELD OF IDAHO, INC. | — | $99K | $99K | 18.03% |
| SCOTT BURKHARDT3 Filed as: SCOTT M BURKHARDT | P.O. BOX 1799 COEUR D ALENE, ID 83816 | DELTA DENTAL OF IDAHO | $21K | — | $21K | 4.99% |
| SCOTT BURKHARDT3 Filed as: SCOTT M BURKHARDT | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 9.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $562 | $12K | 6.60% |
| SCOTT BURKHARDT3 Filed as: SCOTT M BURKHARDT | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $358 | $6K | 5.71% |
| SCOTT BURKHARDT3 Filed as: SCOTT M BURKHARDT | P.O. BOX 1799 COEUR D ALENE, ID 83816 | VISION SERVICE PLAN | $3K | — | $3K | 4.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $3K | — | $3K | 4.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO EIN 82-0206874 CLAIMS PROCESSING | Direct payment from the plan; Claims processing; Float revenue Service code 12 | — | $334K |
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 | 724 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IDAHO | 585 | $414K |
| Vision | VISION SERVICE PLAN | 453 | $63K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,032 | $285K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,032 | $107K |
| Stop-loss / reinsurancereinsurance | REGENCE BLUESHIELD OF IDAHO, INC. | 1,193 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,193 | — |
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.