| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - MT | PO BOX 4386 MISSOULA, MT 59806 | REGENCE BLUESHIELD OF IDAHO, INC. | $58K | $11K | $68K | 3.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $6K | $1K | $7K | 17.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $5K | $797 | $6K | 17.48% |
| HILARY LOMBARDO3 | 960 S BROADWAY AVE, STE 500 BOISE, ID 83706 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HILARY LOMBARDO3 | 960 S BROADWAY AVE, STE 500 BOISE, ID 83706 | UNITED HERITAGE LIFE INSURANCE COMPANY | $893 | — | $893 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 TPA | Contract Administrator; Claims processing Service code 12 | PO BOX 31397 CHARLOTTE, NC 28231 | $9K |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 281 | $1.8M |
| Vision(2 contracts) | UNITED HERITAGE LIFE INSURANCE COMPANY | 99 | $24K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 158 | $70K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 158 | $70K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 158 | $70K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 158 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.