| 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. | $44K | $6K | $50K | 2.46% |
| THE MURRAY GROUP3 Filed as: THE MURRAY GROUP, INC. | 601 EAST FRONT AVE SUITE 502 COEUR DALENE, IL 83814 | WILLAMETTE DENTAL OF IDAHO, INC. | $2K | $7K | $8K | 13.91% |
| 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% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 838162529 | UNITED HERITAGE LIFE INS CO | $3K | — | $3K | 15.00% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 838162529 | UNITED HERITAGE LIFE INS CO | $3K | — | $3K | 15.00% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 838162529 | UNITED HERITAGE LIFE INS CO | $3K | — | $3K | 15.00% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 838162529 | UNITED HERITAGE LIFE INS CO | $2K | — | $2K | 15.00% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 838162529 | UNITED HERITAGE LIFE INS CO | $531 | — | $531 | 4.34% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 838162529 | UNITED HERITAGE LIFE INS CO | $1K | — | $1K | 15.00% |
| GREG HELBLING3 | PO BOX 3725 COEUR DALENE, ID 838162529 | UNITED HERITAGE LIFE INS CO | $552 | — | $552 | 7.22% |
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 | 381 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 381 | $2.0M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL OF IDAHO, INC. | 194 | $113K |
| Life insurance | UNITED HERITAGE LIFE INS CO | 243 | $8K |
| Long-term disability(2 contracts) | UNITED HERITAGE LIFE INS CO | 33 | $31K |
| Other(4 contracts) | UNITED HERITAGE LIFE INS CO | 136 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.