| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE AGENCY | 3405 E OVERLAND RD, STE 355 MERIDIAN, ID 83642 | QBE INSURANCE | $4K | — | $4K | 2.00% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC | 280 E CORPORATE DR, STE 200 MERIDIAN, ID 83642 | WILLAMETTE DENTAL OF IDAHO | $1K | — | $1K | 2.13% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT ADVISORS, LLC | 830 N MAIN ST, STE 200 MERIDIAN, ID 83642 | WILLAMETTE DENTAL OF IDAHO | $440 | — | $440 | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLAMETTE DENTAL EIN 93-1253100 DENTAL ADMIN | Claims processing Service code 12 | — | $51K |
| M S ADMINISTRATIVE SERVICES INC EIN 82-0380872 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $50K |
| MST INSURANCE AGENCY EIN 82-0382503 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $37K |
| IPN INC EIN 82-0462950 PPO NETWORK | Claims processing Service code 12 | — | $7K |
| IDAHO DEPARTMENT OF INSURANCE EIN 82-6000952 IMMUNIZATION ASSESSMENT | Insurance services Service code 23 | — | $6K |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QBE INSURANCE | 176 | $221K |
| Dental(2 contracts, 2 carriers) | QBE INSURANCE | 176 | $271K |
| Prescription drug | QBE INSURANCE | 176 | $221K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 176 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.