| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGIS ADVISOR GROUP3 | 75 W TOWN RIDGE PKWY STE 210 SANDY, UT 840705535 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $695 | $7K | 1.70% |
| WALDO INSURANCE, INC.3 Filed as: WALDO INSURANCE INC | PO BOX 1667 NYSSA, OR 979130167 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.65% |
| TJ FERN LLC3 | 591 PARK AVE STE 303 IDAHO FALLS, ID 834023573 | PRINCIPAL LIFE INSURANCE COMPANY | -$2 | $139 | $137 | 0.03% |
| LEAVITT GROUP3 Filed as: GBS A LEAVITT GROUP COMPANY | 6220 N DISCOVERY WAY BOISE, ID 83713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 16.02% |
| DAVID M WALDO3 | 378 W IDAHO AVENUE ONTARIO, OR 97914 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $818 | $0 | $818 | 2.63% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 497 | $442K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 497 | $411K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 497 | $411K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 497 | $411K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 497 | $411K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 497 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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.