| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASTLE LAKE INSURANCE LLC3 | PO BOX 2751 IDAHO FALLS, ID 83403 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.42% |
| MARK SNIEZEK3 | 606 S 25TH AVE SAINT CLOUD, MN 56301 | KANSAS CITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $37 | $4K | 16.75% |
| DENISE A MAXWELL3 | 5475 N MITCHUM AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $402 | $369 | $771 | 3.16% |
| JAREN ERICK NELSON3 | 136 SOUTH 1ST WEST REXBURG, ID 83440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | $0 | $249 | 1.02% |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.21% |
| VIRGINIA KEZELE3 | 15007 W PINCHOT AVE GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.07% |
| WILLIAM KEZELE3 | PO BOX 5597 TWIN FALLS, ID 83303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $167K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $167K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 129 | $62K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.