| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED HERITAGE LIFE INS CO3 | PO BOX 7777 MERIDIAN, ID 83680 | UNITED HERITAGE LIFE INS CO | $0 | $11K | $11K | 100.00% |
| M S ADMINISTRATIVE SERVICES, INC5 Filed as: MS ADMINISTRATIVE SERVICES INC | PO BOX 45073 BOISE, ID 83711 | UNITED HERITAGE LIFE INS CO | $718 | $0 | $718 | 6.55% |
| US STATES FIRE INSURANCE COMPANY3 | 305 MADISON AVENUE MORRISTOWN, NY 07960 | US FIRE INSURANCE COMPANY | $16K | $295K | $311K | — |
| M S ADMINISTRATIVE SERVICES, INC5 Filed as: MS ADMINISTRATIVE SERVICES INC | 3451 EAST COPPERPOINT DRIVE SUITE 201 MERIDIAN, ID 83642 | US FIRE INSURANCE COMPANY | $0 | $57K | $57K | — |
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 | 160 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | US FIRE INSURANCE COMPANY | 160 | $0 |
| Dental | US FIRE INSURANCE COMPANY | 160 | $0 |
| Life insurance | UNITED HERITAGE LIFE INS CO | 160 | $11K |
| Long-term disability | UNITED HERITAGE LIFE INS CO | 160 | $11K |
| Prescription drug | US FIRE INSURANCE COMPANY | 160 | $0 |
| Stop-loss / reinsurancereinsurance | UNITED HERITAGE LIFE INS CO | 160 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.