| 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 | $16K | $0 | $16K | 15.65% |
| ELLWINS INSURANCE COMPANY3 | 560 FILER AVENUE, SUITE A TWIN FALLS, ID 83301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 5.73% |
| MJ INSURANCE3 Filed as: TYGER J. RICHMAN AND VARIOUS AGENTS | 430 FAIRMONT AVENUE POCATELLO, ID 83201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.67% |
| BUFORD LEROY ELLIOTT3 | 560 FILER AVENUE, SUITE A TWIN FALLS, ID 83303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.80% |
| LEROY B. ELLIOTT3 | 2283 EAST 4195 NORTH FILER, ID 83328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.54% |
| SHELBI L. FALTER3 | 1459 WEST 400 SOUTH PINGREE, ID 83262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.51% |
| HOLLY HALL3 | 2545 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.49% |
| DAVID WADE3 Filed as: DAVID T. WADE | 6967 SOUTH RIVERGATE DRIVE MIDVALE, UT 84047 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | STANDARD INSURANCE COMPANY | $889 | $994 | $2K | 15.51% |
| UNKNOWN3 | UNKNOWN JEROME, ID 83338 | BLOMQUIST HALE CONSULTING | $315 | $0 | $315 | 4.59% |
| WILLIAM KEZELE3 | 4370 STONEBROOK LANE IDAHO FALLS, ID 83404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.40% |
| VIRGINIA KEZELE3 Filed as: VIRGINIA AYLES KEZELE | 15377 WEST VERDE LANE GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.34% |
| ZINA OSTER3 | 3153 FOREST DRIVE CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.25% |
| JP GRIFFETH ENTERPRISES INC3 Filed as: JP GRIFFETH ENTERPRISES, INC. | 12416 WEST BRADDOCK DRIVE BOISE, ID 83709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.25% |
| FEATHER GROUP LLC3 Filed as: FEATHER GROUP, LLC | 5369 NORTH ISLA AVENUE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.15% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 102 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 112 | $43K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 159 | $106K |
| Other(5 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 192 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.