| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 330 EAST LAKESIDE AVENUE, SUITE 301 COEUR D ALENE, ID 83814 | REGENCE BLUE SHIELD OF IDAHO | $57K | $18K | $76K | 3.18% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC | 280 EAST CORPORATE DRIVE, SUITE 200 MERIDIAN, ID 83642 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 7.73% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $726 | $2K | 1.55% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2929 WEST NAVIGATOR DRIVE SUITE 130 MERIDIAN, ID 83642 | VISION SERVICE PLAN | $1K | — | $1K | 3.53% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | VISION SERVICE PLAN | $670 | — | $670 | 2.02% |
| MYRIAD BENEFITS INC3 Filed as: MYRIAD BENEFITS, LLC | 2929 WEST NAVIGATOR DRIVE SUITE 130 MERIDIAN, ID 83642 | VISION SERVICE PLAN | $264 | — | $264 | 0.79% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $42 | — | $42 | 0.13% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUE SHIELD OF IDAHO | 347 | $2.4M |
| Dental | DELTA DENTAL OF IDAHO | 207 | $172K |
| Vision | VISION SERVICE PLAN | 180 | $33K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $149K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $149K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $149K |
| Prescription drug | REGENCE BLUE SHIELD OF IDAHO | 347 | $2.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.