| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 83816 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $28K | $3K | $31K | 1.75% |
| DANIEL JAMES JONES3 | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $15K | — | $15K | 0.85% |
| THE MURRAY GROUP3 Filed as: THE MURRAY GROUP, INC. | 601 EAST FRONT AVE SUITE 502 COEUR DALENE, ID 83814 | DELTA DENTAL OF IDAHO | $2K | — | $2K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | DELTA DENTAL OF IDAHO | $818 | — | $818 | 0.93% |
| HELBLING BENEFITS CONSULTING3 Filed as: HELBLING BENEFITS CONSULTING INC. | PO BOX 3725 COEUR DALENE, ID 838162529 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 13965 W CHINDEN BLVD SUITE 300 BOISE, ID 83713 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $41 | $3K | 6.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $221 | $221 | 0.57% |
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 | 350 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 350 | $1.8M |
| Dental | DELTA DENTAL OF IDAHO | 350 | $88K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $39K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $39K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 349 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
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.