| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEAN-PAUL DUPIN3 | 2448 N. MERRITT COEUR D ALENE, ID 83814 | REGENCE BLUESHIELD OF IDAHO | $88K | — | $88K | 37.05% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS INC. | 1299 W. RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | DELTA DENTAL OF IDAHO | $8K | — | $8K | 5.06% |
| JEAN-PAUL DUPIN3 Filed as: JEAN-PAUL DUBIN | 2448 N. MERRITT COEUR D ALENE, ID 83814 | UNITED HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 39.51% |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO | 220 | $237K |
| Dental | DELTA DENTAL OF IDAHO | 152 | $153K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 151 | $24K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 151 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.