| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT BURKHARDT3 | 111 N 2ND ST., STE 10M COEUR D ALENE, ID 83814 | REGENCE BLUESHIELD OF IDAHO, INC. | $33K | $75K | $108K | 19.12% |
| SCOTT BURKHARDT3 | 111 N 2ND ST, STE 10M COEUR D ALENE, ID 83814 | DELTA DENTAL OF IDAHO | $20K | $63K | $83K | 20.98% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 92191 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $1K | $26K | 17.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET, 6TH FL SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $757 | $13K | 12.75% |
| ERICA MENDEZ3 | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 92191 | VISION SERVICE PLAN | $6K | — | $6K | 9.37% |
| 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 | — | $343K |
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 | 720 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IDAHO | 541 | $397K |
| Vision | VISION SERVICE PLAN | 438 | $66K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,064 | $254K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,064 | $101K |
| Stop-loss / reinsurancereinsurance | REGENCE BLUESHIELD OF IDAHO, INC. | 1,167 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,167 | — |
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.