| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 960 S BROADWAY, SUITE 100 BOISE, ID 83706 | REGENCE BLUESHIELD OF IDAHO, INC. | $67K | $5K | $73K | 5.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 960 S BROADWAY, SUITE 100 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 960 S BROADWAY, SUITE 100 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| TRISH QUARLES3 | 960 S BROADWAY, SUITE 100 BOISE, ID 83706 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 960 S BROADWAY, SUITE 100 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $948 | — | $948 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 960 S BROADWAY, SUITE 100 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $910 | — | $910 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 960 S BROADWAY, SUITE 100 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $766 | — | $766 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 960 S BROADWAY, SUITE 100 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $819 | — | $819 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 960 S BROADWAY, SUITE 100 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $312 | — | $312 | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 960 S BROADWAY, SUITE 100 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $479 | — | $479 | 19.99% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 326 | $1.4M |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 176 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $16K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $19K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.