| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAD MURRAY3 | P.O. BOX 3725 COEUR D ALENE, ID 83816 | UNITED HERITAGE LIFE INSURANCE COMPANY | $44K | — | $44K | — |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS INC. | 1299 W. RIVERSTONE DR. COEUR D ALENE, ID 83814 | UNITED HERITAGE LIFE INSURANCE COMPANY | $27K | — | $27K | — |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS INC. | 1299 W. RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | DELTA DENTAL OF IDAHO | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO, INC. EIN 82-0206874 CLAIMS PROCESSING | Claims processing; Direct payment from the plan; Float revenue Service code 12 | 1211 W. MYRTLE ST. #110 BOISE, ID 83702 | $118K |
| ADVANCED BENEFIT INC. AGENT | Direct payment from the plan; Float revenue; Claims processing Service code 12 | 1299 W. RIVERSTONE DR. COEUR D ALENE, ID 83814 | $0 |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO | 200 | $0 |
| Dental | DELTA DENTAL OF IDAHO | 144 | $0 |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 205 | $0 |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 205 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.