| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 16.58% |
| BUFORD LEROY ELLIOTT3 | 560 FILER AVENUE, SUITE A TWIN FALLS, ID 83303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 7.99% |
| TYGER J. RICHMAN3 | 430 FAIRMONT AVENUE POCATELLO, ID 83201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.01% |
| RICHARD R KIMBROUGH3 Filed as: RICHARD R. KIMBROUGH | 6380 NORTH PARK MEADOW WAY APARTMENT 203 BOISE, ID 83713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.98% |
| LEROY B. ELLIOTT3 | 2283 EAST 4195 NORTH FILER, ID 83328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $982 | $0 | $982 | 1.19% |
| SIMON E TAUTALA3 Filed as: SIMON E. TAUTALA | 1406 NORTH MAIN STREET, SUITE 116 MERIDIAN, ID 83642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $809 | $0 | $809 | 0.98% |
| DAVID WADE3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | UNITED HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.05% |
| JP GRIFFETH ENTERPRISES INC3 Filed as: JP GRIFFETH ENTERPRISES, INC. | 12416 WEST BRADDOCK DRIVE BOISE, ID 83709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $56 | $90 | 1.47% |
| FEATHER GROUP LLC3 Filed as: FEATHER GROUP, LLC | 5369 NORTH ISLA AVENUE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.56% |
| WILLIAM KEZELE3 | 4370 STONEBROOK LANE IDAHO FALLS, ID 83404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.54% |
| VIRGINIA KEZELE3 Filed as: VIRGINIA AYLES KEZELE | 15377 WEST VERDE LANE GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.46% |
| ZINA OSTER3 | 3153 FOREST DRIVE CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.16% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 119 | $39K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 141 | $88K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 209 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.