| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILARY LOMBARDO3 | 960 BROADWAY AVE, STE 500 BOISE, ID 83706 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $60K | — | $60K | 3.73% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $5K | $909 | $6K | 17.60% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 15.00% |
| HILARY LOMBARDO3 | 960 BROADWAY AVE, STE 500 BOISE, ID 83706 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HILARY LOMBARDO3 | 960 BROADWAY AVE, STE 500 BOISE, ID 83706 | UNITED HERITAGE LIFE INSURANCE COMPANY | $843 | — | $843 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 TPA | Claims processing; Contract Administrator Service code 12 | PO BOX 31397 CHARLOTTE, NC 28231 | $8K |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 283 | $1.6M |
| Vision(2 contracts) | UNITED HERITAGE LIFE INSURANCE COMPANY | 91 | $20K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 139 | $68K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 139 | $68K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 139 | $68K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 139 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.