| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIERNEY CONSULTING, INC3 Filed as: TIERNEY CONSULTING, INC. | 2113 WEST PARKSTONE COURT MERIDAIN, ID 83646 | DELTA DENTAL OF IDAHO | $4K | — | $4K | 2.51% |
| ROBERT TIERNEY3 Filed as: ROBERT TIERNEY MYRIAD BENEFITS LLC | 280 EAST CORPORATE DRIVE SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INS CO | $6K | — | $6K | 10.00% |
| ROBERT TIERNEY3 Filed as: ROBERT TIERNEY MYRID BENEFITS LLC | 280 EAST CORPORATE DRIVE SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INS CO | $2K | — | $2K | 5.00% |
| TIERNEY CONSULTING, INC3 Filed as: TIERNEY CONSULTING INC | 2113 W PARKSTONE CT MERIDIAN, ID 83646 | VISION SERVICE PLAN | $1K | — | $1K | 5.10% |
| ROBERT TIERNEY3 Filed as: ROBERT TIERNEY MYRIAD BENEFITS LLC | 280 EAST CORPORATE DRIVE SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE LIFE INS CO | $1K | — | $1K | 5.00% |
| ROBERT TIERNEY3 Filed as: ROBERT TIERNEY MYRIAD BENEFITS LLC | 280 EAST CORPORATE DRIVE SUITE 200 MERIDIAN, ID 83642 | UNITED HERITAGE IFE INS CO | $3K | — | $3K | 15.00% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IDAHO | 259 | $143K |
| Vision | VISION SERVICE PLAN | 132 | $24K |
| Life insurance | UNITED HERITAGE LIFE INS CO | 260 | $22K |
| Short-term disability | UNITED HERITAGE LIFE INS CO | 260 | $36K |
| Long-term disability | UNITED HERITAGE LIFE INS CO | 260 | $58K |
| Other(2 contracts, 2 carriers) | UNITED HERITAGE LIFE INS CO | 260 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.