| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $45K | $0 | $45K | 10.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 13965 WEST CHINDEN BOULEVARD SUITE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 4.74% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY AND ONEILL LIFE, INC. | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $0 | $15K | $15K | 3.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $569 | $0 | $569 | 0.59% |
| SUSAN L MENSCHING3 Filed as: SUSAN L. MENSCHING | PO BOX 2466 COEUR DALENE, ID 83816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 50.50% |
| RODERICK ALLEN BAIR3 Filed as: RODERICK A. BAIR | 3437 WEST MANNING LOOP COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 10.02% |
| LISA M HALL3 Filed as: LISA M. HALL | 2542 EAST SUNDOWN DRIVE COEUR DALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.34% |
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 | 1,147 | 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) | 1,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 571 | $96K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,147 | $414K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,147 | $414K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,147 | $414K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,147 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,147 | — |
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.