| 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. | $45K | $4K | $48K | 2.56% |
| 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 | 3.00% |
| THE MURRAY GROUP3 Filed as: THE MURRAY GROUP, INC. | 601 EAST FRONT AVE SUITE 502 COEUR DALENE, IL 83814 | WILLAMETTE DENTAL OF IDAHO, INC. | $1K | $4K | $5K | 14.00% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, IL 83816 | UNITED HERITAGE LIFE INS CO | $2K | — | $2K | 10.93% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 83816 | UNITED HERITAGE LIFE INS CO | $3K | — | $3K | 15.00% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 83816 | UNITED HERITAGE LIFE INS CO | $3K | — | $3K | 15.00% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 83816 | UNITED HERITAGE LIFE INS CO | $2K | — | $2K | 15.00% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 83816 | UNITED HERITAGE LIFE INS CO | $1K | — | $1K | 15.00% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 83816 | UNITED HERITAGE LIFE INS CO | $505 | — | $505 | 7.53% |
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 | 373 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 373 | $1.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 373 | $103K |
| Life insurance | UNITED HERITAGE LIFE INS CO | 255 | $7K |
| Long-term disability | UNITED HERITAGE LIFE INS CO | 39 | $20K |
| Other(4 contracts) | UNITED HERITAGE LIFE INS CO | 208 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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."
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.