| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DREW RANSTROM3 | 2501 E STATE AVE STE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | $46K | $9K | $55K | 2.66% |
| MELINDA MCDANIEL3 Filed as: MELINDA ANN MCDANIEL | 280 E CORPORATE DR, STE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | $8K | — | $8K | 0.37% |
| RONALD HEZELTINE3 Filed as: RONALD BURTON HEZELTINE | 280 E CORPORATE DR, STE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | $8K | — | $8K | 0.37% |
| MORETON & COMPANY3 | 12639 W EXPLORER DR, STE 200 BOISE, ID 83713 | DELTA DENTAL | $2K | — | $2K | 2.49% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT ADVISORS, LLC | 830 E MAIN ST, STE 200 MERIDIAN, ID 83642 | DELTA DENTAL | $208 | — | $208 | 0.25% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC | 280 E CORPORATE DR, STE 200 MERIDIAN, ID 83642 | DELTA DENTAL | $207 | — | $207 | 0.25% |
| MORETON & COMPANY3 | 12639 W EXPLORER DR, STE 200 BOISE, ID 83713 | WILLAMETTE DENTAL OF IDAHO | $2K | — | $2K | 3.00% |
| DREW RANSTROM | PO BOX 191030 BOISE, ID 83719 | UNITED HERITAGE LIFE INS CO | $2K | — | $2K | 8.33% |
| MELINDA MCDANIEL | 830 N MAIN ST STE 200 MERIDIAN, ID 836422609 | UNITED HERITAGE LIFE INS CO | $171 | — | $171 | 0.83% |
| RON HEZELTINE | 280 E CORPORATE DR, STE 200 MERIDIAN, ID 836422951 | UNITED HERITAGE LIFE INS CO | $171 | — | $171 | 0.83% |
| MORETON & COMPANY3 | 12639 W EXPLORER DR, STE 200 BOISE, ID 83713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $257 | — | $257 | 6.73% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT ADVISORS, LLC | 830 E MAIN ST, STE 200 MERIDIAN, ID 83642 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92 | — | $92 | 2.41% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 184 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 114 | $145K |
| Vision | UNITED HERITAGE LIFE INS CO | 139 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $4K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 184 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.