| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 960 S BROADWAY AVE, STE 100 BOISE, ID 83706 | REGENCE BLUESHIELD OF IDAHO, INC. | $59K | $5K | $65K | 4.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 13.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $7K | 21.08% |
| HILARY LOMBARDO3 | 960 S BROADWAY AVE, STE 500 BOISE, ID 83706 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.05% |
| HILARY LOMBARDO3 | 960 S BROADWAY AVE BOISE, ID 83706 | UNITED HERITAGE LIFE INSURANCE COMPANY | $416 | — | $416 | 6.92% |
| TRISH QUARLES3 | 960 S BROADWAY AVE BOISE, ID 83706 | UNITED HERITAGE LIFE INSURANCE COMPANY | $185 | — | $185 | 3.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NUESYNERGY EIN 46-0553674 HRA TPA | Claims processing; Contract Administrator Service code 12 | — | $10K |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 353 | $1.6M |
| Vision(2 contracts) | UNITED HERITAGE LIFE INSURANCE COMPANY | 115 | $19K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 184 | $69K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 184 | $69K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 184 | $69K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 184 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.