| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAVIS ARGYLE3 | 425 N CAPITAL STE B IDAHO FALLS, ID 83402 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $34K | $0 | $34K | 1.30% |
| DAVID M WALDO3 Filed as: DAVID WALDO | 378 W IDAHO AVENUE ONTARIO, OR 97914 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $4K | $5K | $9K | 0.32% |
| TJ FERN LLC3 | 591 PARK AVE STE 303 IDAHO FALLS, ID 834023573 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $2K | $18K | 11.77% |
| ALLEGIS ADVISOR GROUP3 | 75 W TOWN RIDGE PKWY STE 210 SANDY, UT 97914 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $795 | $5K | 3.54% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 441 | $2.7M |
| Dental | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 441 | $2.7M |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 441 | $2.7M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 435 | $154K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 435 | $154K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 435 | $154K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 435 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.