| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYES INSURANCE SERVICES3 Filed as: KEYES BENEFITS | 5075 S 1500 W RIVERDALE, UT 84405 | AETNA HEALTH, INC. | $0 | $39K | $39K | 4.75% |
| MATTHEW B WALDRAM3 Filed as: MATTHEW WALDRAM | CASTLE LAKE INSURANCE, LLC PO BOX 2751 IDAHO FALLS, ID 83403 | DELTA DENTAL OF IDAHO | $2K | — | $2K | 2.98% |
| MATTHEW B WALDRAM3 Filed as: MATTHEW WALDRAM | CASTLE LAKE INSURANCE 3385 S HOLMES AVE IDAHO FALLS, ID 834047981 | UNITED HERITAGE LIFE INS CO | $1K | — | $1K | 10.00% |
| MATTHEW B WALDRAM3 Filed as: MATTHEW WALDRAM | CASTLE LAKE INSURANCE 3385 S HOLMES AVE IDAHO FALLS, ID 834047981 | UNITED HERITAGE LIFE INS CO | $791 | — | $791 | 9.22% |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 16.15% |
| DENISE A MAXWELL3 | 5475 N MITCHUM AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $14 | $37 | 4.98% |
| JAREN ERICK NELSON3 | 136 SOUTH 1ST WEST REXBURG, ID 83440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 4.31% |
| ROD FURNISS EMPLOYEE BENEFITS3 | 136 S 1ST W REXBURG, ID 83440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 4.31% |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 8.15% |
| DENISE A MAXWELL3 | 5475 N MITCHUM AVE MERIDIAN, UT 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.86% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 197 | $830K |
| Dental | DELTA DENTAL OF IDAHO | 133 | $69K |
| Vision | UNITED HERITAGE LIFE INS CO | 126 | $14K |
| Life insurance | UNITED HERITAGE LIFE INS CO | 193 | $9K |
| Other(3 contracts, 2 carriers) | UNITED HERITAGE LIFE INS CO | 193 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.