| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 838146215 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $2K | $16K | 8.77% |
| DONALD L REIMAN3 | 2600 W ROSE HILL ST STE 206 BOISE, ID 83705 | AFLAC | $7K | $0 | $7K | 4.93% |
| MATTHEW JAMES BARRINGER3 | 10672 W ALLIANCE ST BOISE, ID 83713 | AFLAC | $7K | $259 | $7K | 4.86% |
| MARK L DUNN3 | 2734 N RETIREMENT LN APT C BOISE, ID 83704 | AFLAC | $6K | $247 | $6K | 4.48% |
| RICHARD R KIMBROUGH3 | 9505 CHAD COLLEY BLVD UNIT 3804 FORT SMITH, AR 72916 | AFLAC | $2K | $122 | $2K | 1.58% |
| KIRSTEN BARRINGER3 | 10672 W ALLIANCE ST BOISE, ID 83713 | AFLAC | $2K | $37 | $2K | 1.58% |
| SIMON E TAUTALA3 | 2955 N WATERBROOK AVE STAR, ID 83669 | AFLAC | $1K | $82 | $1K | 0.87% |
| JULIE RENE MULDER3 | 7880 W APACHE WAY BOISE, ID 83714 | AFLAC | $615 | $0 | $615 | 0.43% |
| HILLARY EYRE3 | 7760 W BAYHILL ST BOISE, ID 83704 | AFLAC | $447 | $9 | $456 | 0.32% |
| SHANE F LAMAY3 | 4380 TRAILS DR SARASOTA, FL 34232 | AFLAC | $362 | $0 | $362 | 0.25% |
| ALLEN C WILLIAMSON3 | 24285 STAFFORD RD CALDWELL, ID 83607 | AFLAC | $361 | $0 | $361 | 0.25% |
| SHANE ROBERTSON3 | 181 E COPPER RIDGE ST MERIDIAN, ID 83646 | AFLAC | $335 | $0 | $335 | 0.23% |
| VINCENT CHARLES MCDOWELL3 | 5290 E 3610 N MURTAUGH, ID 83344 | AFLAC | $203 | $0 | $203 | 0.14% |
| DENNIS S HANSEN3 | 210 HAMPTON LN IDAHO FALLS, ID 83404 | AFLAC | $184 | $0 | $184 | 0.13% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL MICHAEL HANNANT | 6052 SAWGRASS ST SE SALEM, OR 97306 | AFLAC | $175 | $0 | $175 | 0.12% |
| JL & ASSOCIATES INC3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $172 | $0 | $172 | 0.12% |
| LESLIE J BAILEY3 | 4234 N PORTAGE AVE MERIDIAN, ID 83646 | AFLAC | $164 | $0 | $164 | 0.11% |
| KEVIN B SORIA3 | 7904 S PENNSYLVANIA DR LITTLETON, CO 80122 | AFLAC | $161 | $0 | $161 | 0.11% |
| REUEL S DAVIS3 | 696 E BONITA CANYON ST MERIDIAN, ID 83646 | AFLAC | $100 | $8 | $108 | 0.07% |
| ANDREW PRINCE LOVINGIER3 | 1817 BLOYD ST KELSO, WA 98626 | AFLAC | $97 | $0 | $97 | 0.07% |
| ANDRE LAFLAMME3 | 9007 46TH COURT NW GIG HARBOR, WA 98335 | AFLAC | $65 | $0 | $65 | 0.05% |
| JACQUELINE VAN SCYOC3 Filed as: JACQUELINE D WINTERTON | 11 BETHEL RD HORSESHOE BEND, ID 83629 | AFLAC | $58 | $0 | $58 | 0.04% |
| CRAIG A HOPKINS3 | 3030 E FERN BROOK DR EAGLE, ID 83616 | AFLAC | $57 | $0 | $57 | 0.04% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $53 | $0 | $53 | 0.04% |
| JOHN H MINEGAR3 | 1230 E SNOW HOLE DR MERIDIAN, ID 83642 | AFLAC | $49 | $0 | $49 | 0.03% |
| TERRYL G ROEMER3 | 75 WEST 400 SOUTH JEROME, ID 83338 | AFLAC | $36 | $0 | $36 | 0.02% |
| SABRINA LORD STREMCHA3 | 2502 N GREENWOOD ST LA GRANDE, OR 97850 | AFLAC | $30 | $0 | $30 | 0.02% |
| CARLY R WALTON3 | 2364 E 3600 N TWIN FALLS, ID 83301 | AFLAC | $25 | $0 | $25 | 0.02% |
| ALMA IKIC3 | 3825 NORTH POLE LOOP NE RIO RANCHO, NM 87144 | AFLAC | $21 | $0 | $21 | 0.01% |
| DARLA A WEBER CONNELLY3 | PO BOX 207 NEW MEADOWS, ID 83654 | AFLAC | $18 | $0 | $18 | 0.01% |
| ALEX C MARTI3 | 516 E ROCKINGHAM DR EAGLE, ID 83616 | AFLAC | $11 | $0 | $11 | 0.01% |
| ELLWINS INSURANCE COMPANY3 Filed as: ELLWINS INSURANCE COMPANY, INC | 560 FILER AVE STE A TWIN FALLS, ID 83301 | AFLAC | $10 | $0 | $10 | 0.01% |
| LINDA TOWNSEND3 | 2605 E L AVE LA GRANDE, OR 97850 | AFLAC | $8 | $0 | $8 | 0.01% |
| MICHELLE S CARHILL (SHELLEY)3 | 653 LAURELWOOD AVE IDAHO FALLS, ID 83401 | AFLAC | $7 | $0 | $7 | 0.00% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DR SACRAMENTO, CA 95831 | AFLAC | $6 | $0 | $6 | 0.00% |
| DAVID V PAYNE3 | 225 EAGLE CT MONROE, MI 48162 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOSEPH P TYRRELL3 | 468 E FOREST RIDGE DR MERIDIAN, ID 83642 | AFLAC | $1 | $0 | $1 | 0.00% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 838146215 | WILLAMETTE DENTAL OF IDAHO INC | $9K | — | $9K | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCARE MANAGEMENT ADMINISTRATOR EIN 91-1333840 NONE | Contract Administrator Service code 13 | — | $182K |
| ADVANCED BENEFITS EIN 82-0514139 NONE | Insurance agents and brokers Service code 22 | — | $69K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 NONE | Contract Administrator Service code 13 | — | $16K |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANT BEHAVIORAL HEALTH | 378 | $9K |
| Dental | WILLAMETTE DENTAL OF IDAHO INC | 237 | $121K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $178K |
| Short-term disability | AFLAC | 222 | $144K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 352 | $178K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 346 | $595K |
| Other | AFLAC | 222 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.
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.