| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFITS3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | BLUE CROSS OF IDAHO | $24K | $5K | $29K | 1.98% |
| DONALD L REIMAN3 Filed as: DONALD REIMAN | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | BLUE CROSS OF IDAHO | $12K | — | $12K | 0.80% |
| ADVANCED BENEFITS3 | 2448 W MERRITT CREEK LOOP BOISE, ID 83814 | DELTA DENTAL OF IDAHO | $4K | — | $4K | 2.91% |
| DONALD L REIMAN3 Filed as: DONALD REIMAN | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | DELTA DENTAL OF IDAHO | $742 | — | $742 | 0.50% |
| ECHELON GROUP INC3 Filed as: ECHELON GROUP, INC | 408 E PARKCENTER BLVD, STE 330 BOISE, ID 83706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.35% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.91% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.30% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $941 | $941 | 4.08% |
| ADVANCED BENEFITS3 | 2448 W MERRITT CREEK LOOP BOISE, ID 83814 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $682 | $682 | 4.60% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.52% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $448 | $448 | 3.85% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $431 | — | $431 | 15.01% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $135 | $135 | 4.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | 1 HANCOCK STREET PORTLAND, OR 04101 | $14K |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO | 163 | $1.5M |
| Dental | DELTA DENTAL OF IDAHO | 167 | $148K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 170 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $27K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.