| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT INC3 | 1299 W RIVERSTONE DR STE 200 COEUR D ALENE, ID 838144943 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.23% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.04% |
| MARK L DUNN3 | 2734 N RETIREMENT LN APT C BOISE, ID 83704 | AFLAC | $9K | $713 | $9K | 6.97% |
| MATTHEW JAMES BARRINGER3 | 10672 W ALLIANCE ST BOISE, ID 83713 | AFLAC | $6K | $338 | $7K | 4.86% |
| DONALD L REIMAN3 | 2600 W ROSE HILL ST STE 206 BOISE, ID 83705 | AFLAC | $6K | — | $6K | 4.36% |
| SIMON E TAUTALA3 | 3001 S HARBOUR SPRINGS ST NAMPA, ID 83686 | AFLAC | $3K | $138 | $4K | 2.63% |
| RICHARD R KIMBROUGH3 | 6380 N PARK MEADOW WAY APT 203 BOISE, ID 83713 | AFLAC | $2K | $8 | $2K | 1.59% |
| KIRSTEN BARRINGER3 | 10672 W ALLIANCE ST BOISE, ID 83713 | AFLAC | $1K | $167 | $1K | 1.07% |
| SHANE F LAMAY3 | 4380 TRAILS DR SARASOTA, FL 34232 | AFLAC | $809 | $222 | $1K | 0.76% |
| DONALD L REIMAN3 | 2600 N ROSE HILL ST STE 206 BOISE, ID 83705 | AFLAC | $741 | — | $741 | 0.55% |
| JULIE RENE MULDER3 | 7880 W APACHE WAY BOISE, ID 83714 | AFLAC | $685 | — | $685 | 0.51% |
| MARK L DUNN3 | 2734 N RETIREMENT LN APT C BOISE, ID 83704 | AFLAC | $613 | — | $613 | 0.45% |
| HILLARY EYRE3 | 7760 W BAYHILL ST BOISE, ID 83704 | AFLAC | $525 | — | $525 | 0.39% |
| ALLEN C WILLIAMSON3 | 24285 STAFFORD RD CALDWELL, ID 83607 | AFLAC | $388 | — | $388 | 0.29% |
| SHANE ROBERTSON3 | 181 E COPPER RIDGE ST MERIDIAN, ID 83646 | AFLAC | $353 | — | $353 | 0.26% |
| VINCENT CHARLES MCDOWELL3 | 5290 E 3610 N MURTAUGH, ID 83344 | AFLAC | $292 | — | $292 | 0.22% |
| JL & ASSOCIATES INC3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $243 | — | $243 | 0.18% |
| DENNIS S HANSEN3 | 210 HAMPTON LN IDAHO FALLS, ID 83404 | AFLAC | $189 | — | $189 | 0.14% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL MICHAEL HANNANT | 6052 SAWGRASS ST SE SALEM, OR 97306 | AFLAC | $179 | — | $179 | 0.13% |
| KEVIN B SORIA3 | 7904 S PENNSYLVANIA DR LITTLETON, CO 80122 | AFLAC | $178 | — | $178 | 0.13% |
| LESLIE J BAILEY3 | 4234 N PORTAGE AVE MERIDIAN, ID 83646 | AFLAC | $174 | — | $174 | 0.13% |
| ANDREW PRINCE LOVINGIER3 | 1817 BLOYD ST KELSO, WA 98626 | AFLAC | $119 | — | $119 | 0.09% |
| REUEL S DAVIS3 | 9514 W FAIRVIEW AVE STE 100 BOISE, ID 83704 | AFLAC | $80 | — | $80 | 0.06% |
| ANDRE LAFLAMME3 | 9007 46TH COURT NW GIG HARBOR, WA 98335 | AFLAC | $76 | — | $76 | 0.06% |
| CRAIG A HOPKINS3 | 3030 E FERN BROOK DR EAGLE, ID 83616 | AFLAC | $72 | — | $72 | 0.05% |
| JOHN H MINEGAR3 | 1230 E SNOW HOLE DR MERIDIAN, ID 83642 | AFLAC | $67 | — | $67 | 0.05% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $60 | — | $60 | 0.04% |
| TERRYL G ROEMER3 | 75 WEST 400 SOUTH JEROME, ID 83338 | AFLAC | $33 | — | $33 | 0.02% |
| MICHELLE S CARHILL (SHELLEY)3 | 653 LAURELWOOD AVE IDAHO FALLS, ID 83401 | AFLAC | $26 | — | $26 | 0.02% |
| DARLA A WEBER CONNELLY3 | PO BOX 207 NEW MEADOWS, ID 83654 | AFLAC | $25 | — | $25 | 0.02% |
| CARLY R WALTON3 | 2364 E 3600 N TWIN FALLS, ID 83301 | AFLAC | $23 | — | $23 | 0.02% |
| ALMA IKIC3 | 3825 NORTH POLE LOOP NE RIO RANCHO, NM 87144 | AFLAC | $20 | — | $20 | 0.01% |
| ALEX C MARTI3 | 516 E ROCKINGHAM DR EAGLE, ID 83616 | AFLAC | $14 | — | $14 | 0.01% |
| ELLWINS INSURANCE COMPANY3 Filed as: ELLWINS INSURANCE COMPANY, INC | 560 FILER AVE STE A TWIN FALLS, ID 83301 | AFLAC | $9 | — | $9 | 0.01% |
| LESLIE J BAILEY3 | 4234 N PORTAGE AVE MERIDIAN, ID 83646 | AFLAC | $7 | — | $7 | 0.01% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DR SACRAMENTO, CA 95831 | AFLAC | $6 | — | $6 | 0.00% |
| STEVEN K BRINGHURST3 | 536 W BAYHILL DR NAMPA, ID 83686 | AFLAC | $5 | — | $5 | 0.00% |
| DAVID V PAYNE3 | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $5 | — | $5 | 0.00% |
| JOSEPH P TYRRELL3 | 468 E FOREST RIDGE DR MERIDIAN, ID 83642 | AFLAC | $1 | — | $1 | 0.00% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LOOP STE 1A COEUR D ALENE, ID 838146215 | WILLAMETTE DENTAL OF IDAHO INC | $9K | — | $9K | 6.84% |
| DENISE A MAXWELL3 | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 3.70% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD BOISE, ID 83706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 2.74% |
| 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 |
|---|---|---|---|
| HEALTHCARE MANAGEMENT ADMINISTRATOR EIN 91-1333840 NONE | Contract Administrator Service code 13 | — | $191K |
| ADVANCED BENEFITS EIN 82-0514139 NONE | Insurance agents and brokers Service code 22 | — | $34K |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF IDAHO INC | 298 | $128K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 333 | $158K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 206 | $136K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 333 | $158K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 345 | $423K |
| Other(2 contracts, 2 carriers) | AFLAC | 206 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.