| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARLOS APONTE3 | 136 S 1ST W REXBURG, ID 83440 | REGENCE BLUESHIELD OF IDAHO, INC. | $42K | $7K | $49K | 4.40% |
| BLACK INK BENEFITS3 Filed as: BLACK INK INSURANCE INC DBA | INTERMOUNTAIN INSURANCE SERVICE 136 S 1ST W REXBURG, ID 83440 | DELTA DENTAL OF IDAHO | $2K | — | $2K | 2.12% |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE LAKE INSURANCE, LLC | PO BOX 2751 IDAHO FALLS, ID 83403 | DELTA DENTAL OF IDAHO | $660 | — | $660 | 0.91% |
| 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% |
| APONTE, CARLOS A3 | 136 S 1ST W REXBURG, ID 83440 | LIFEMAP ASSURANCE COMPANY | $667 | — | $667 | 9.70% |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | — | $335 | 20.34% |
| JAREN ERICK NELSON3 | 136 SOUTH 1ST WEST REXBURG, ID 83440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | — | $218 | 13.24% |
| DENISE A MAXWELL3 | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $12 | $80 | 4.86% |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 11.98% |
| JAREN ERICK NELSON3 | 136 SOUTH 1ST WEST REXBURG, ID 83440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 4.79% |
| DENISE A MAXWELL3 | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $3 | $26 | 2.49% |
| ROD FURNISS EMPLOYEE BENEFITS3 | 136 S 1ST W REXBURG, ID 83440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.19% |
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) | REGENCE BLUESHIELD OF IDAHO, INC. | 194 | $1.1M |
| Dental | DELTA DENTAL OF IDAHO | 137 | $73K |
| Vision | UNITED HERITAGE LIFE INS CO | 128 | $14K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 222 | $7K |
| Other(3 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 222 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
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.