| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 6.84% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | WILLAMETTE DENTAL OF IDAHO INC | $11K | — | $11K | 7.56% |
| HEALTHCARE MANAGEMENT ADMINISTRATOR3 | 10700 NORTHUP WAY SUITE 100 BELLEVUE, WA 98004 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 1.65% |
| MARK L DUNN3 | 2734 N RETIREMENT LN APT C BOISE, ID 83704 | AFLAC | $8K | $471 | $9K | 8.12% |
| MATTHEW JAMES BARRINGER3 | 10672 W ALLIANCE ST BOISE, ID 83713 | AFLAC | $5K | $190 | $6K | 5.37% |
| DONALD L REIMAN3 | 2600 W ROSE HILL ST STE 206 BOISE, ID 83705 | AFLAC | $3K | — | $3K | 3.22% |
| SHANE F LAMAY3 | 6311 ATRIUM DR STE 204 LAKEWOOD RANCH, FL 34202 | AFLAC | $2K | $113 | $2K | 2.19% |
| KIRSTEN BARRINGER3 | 10672 W ALLIANCE ST BOISE, ID 83713 | AFLAC | $1K | $40 | $1K | 1.37% |
| DONALD L REIMAN3 | 2600 N ROSE HILL ST STE 206 BOISE, ID 83705 | AFLAC | $768 | — | $768 | 0.73% |
| JULIE RENE MULDER3 | 7880 W APACHE WAY BOISE, ID 83714 | AFLAC | $700 | — | $700 | 0.66% |
| MARK L DUNN3 | 2734 N RETIREMENT LN APT C BOISE, ID 83704 | AFLAC | $649 | — | $649 | 0.62% |
| HILLARY EYRE3 | 7760 W BAYHILL ST BOISE, ID 83704 | AFLAC | $572 | — | $572 | 0.54% |
| ALLEN C WILLIAMSON3 | 24285 STAFFORD RD CALDWELL, ID 83607 | AFLAC | $401 | — | $401 | 0.38% |
| SHANE ROBERTSON3 | 181 E COPPER RIDGE ST MERIDIAN, ID 83646 | AFLAC | $344 | — | $344 | 0.33% |
| VINCENT CHARLES MCDOWELL3 | 2927 N 4300 E MURTAUGH, ID 83344 | AFLAC | $315 | — | $315 | 0.30% |
| JL & ASSOCIATES INC3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $273 | — | $273 | 0.26% |
| DENNIS S HANSEN3 | 210 HAMPTON LN IDAHO FALLS, ID 83404 | AFLAC | $209 | — | $209 | 0.20% |
| KEVIN B SORIA3 | 7904 S PENNSYLVANIA DR LITTLETON, CO 80122 | AFLAC | $180 | — | $180 | 0.17% |
| LESLIE J BAILEY3 | 4234 N PORTAGE AVE MERIDIAN, ID 83646 | AFLAC | $173 | — | $173 | 0.16% |
| PAUL MICHAEL HANNANT3 | 6052 SAWGRASS ST SE SALEM, OR 97306 | AFLAC | $167 | — | $167 | 0.16% |
| ANDREW PRINCE LOVINGIER3 | 1817 BLOYD ST KELSO, WA 98626 | AFLAC | $113 | — | $113 | 0.11% |
| REUEL S DAVIS3 | 9460 W FAIRVIEW AVE STE 140 BOISE, ID 83704 | AFLAC | $105 | — | $105 | 0.10% |
| CRAIG A HOPKINS3 | 3030 E FERN BROOK DR EAGLE, ID 83616 | AFLAC | $83 | — | $83 | 0.08% |
| ANDRE LAFLAMME3 | 9007 46TH COURT NW GIG HARBOR, WA 98335 | AFLAC | $83 | — | $83 | 0.08% |
| JOHN H MINEGAR3 | 1230 E SNOW HOLE DR MERIDIAN, ID 83642 | AFLAC | $65 | — | $65 | 0.06% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $61 | — | $61 | 0.06% |
| TERRYL G ROEMER3 | 75 WEST 400 SOUTH JEROME, ID 83338 | AFLAC | $30 | — | $30 | 0.03% |
| MICHELLE S CARHILL (SHELLEY)3 | 653 LAURELWOOD AVE IDAHO FALLS, ID 83401 | AFLAC | $27 | — | $27 | 0.03% |
| ALMA IKIC3 | 3825 NORTH POLE LOOP NE RIO RANCHO, NM 87144 | AFLAC | $23 | — | $23 | 0.02% |
| DARLA A WEBER CONNELLY3 | PO BOX 207 NEW MEADOWS, ID 83654 | AFLAC | $23 | — | $23 | 0.02% |
| CARLY R WALTON3 | 2364 E 3600 N TWIN FALLS, ID 83301 | AFLAC | $21 | — | $21 | 0.02% |
| SIMON E TAUTALA3 | 3001 S HARBOUR SPRINGS ST NAMPA, ID 83686 | AFLAC | $17 | — | $17 | 0.02% |
| ALEX C MARTI3 | 516 E ROCKINGHAM DR EAGLE, ID 83616 | AFLAC | $17 | — | $17 | 0.02% |
| RICHARD R KIMBROUGH3 | 6380 N PARK MEADOW WAY APT 203 BOISE, ID 83713 | AFLAC | $11 | — | $11 | 0.01% |
| ELLWINS INSURANCE COMPANY3 Filed as: ELLWINS INSURANCE COMPANY, INC | 560 FILER AVE STE A TWIN FALLS, ID 83301 | AFLAC | $8 | — | $8 | 0.01% |
| LESLIE J BAILEY3 | 4234 N PORTAGE AVE MERIDIAN, ID 83646 | AFLAC | $5 | — | $5 | 0.00% |
| STEVEN K BRINGHURST3 | 536 W BAYHILL DR NAMPA, ID 83686 | AFLAC | $5 | — | $5 | 0.00% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DR SACRAMENTO, CA 95831 | AFLAC | $5 | — | $5 | 0.00% |
| DAVID V PAYNE3 | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $4 | — | $4 | 0.00% |
| JOSEPH P TYRRELL3 | 468 E FOREST RIDGE DR MERIDIAN, ID 83642 | AFLAC | $1 | — | $1 | 0.00% |
| PETER JAMES SARANTIS3 | 26200 TOWN CENTER DR STE 110 NOVI, MI 48375 | AFLAC | $1 | — | $1 | 0.00% |
| DENISE A MAXWELL3 | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 4.12% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD BOISE, ID 83706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 2.06% |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.55% |
| MARY BROOK FORD-PRITCHETT3 | 2108 N HARRISON BLVD BOISE, ID 83702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GPA EIN 75-1617587 NONE | Contract Administrator Service code 13 | — | $180K |
| ECHELON GROUP EIN 82-0492018 NONE | Insurance agents and brokers Service code 22 | — | $0 |
| ELAP SERVICES, INC EIN 27-1535521 NONE | Contract Administrator Service code 13 | — | $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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF IDAHO INC | 324 | $145K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 377 | $198K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 232 | $106K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 377 | $198K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 365 | $602K |
| Other(2 contracts, 2 carriers) | AFLAC | 232 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.