| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASTLE LAKE INSURANCE LLC3 | PO BOX 2751 IDAHO FALLS, ID 83403 | UNITED CONCORDIA INSURANCE COMPANY | $11K | $0 | $11K | 9.87% |
| MARK SNIEZEK3 | 606 S 25TH AVE SAINT CLOUD, MN 56301 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.01% |
| MATT WALDRAM3 | 3385 S HOLMES AVE IDAHO FALLS, ID 83404 | UNITED HERITAGE LIFE INS CO | $2K | $273 | $2K | 11.32% |
| CASTLE LAKE INSURANCE LLC3 | PO BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 23.33% |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.76% |
| DENISE A MAXWELL3 | 5475 N MITCHUM AVE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $50 | $171 | 1.13% |
| JAREN ERICK NELSON3 | 136 SOUTH 1ST WEST REXBURG, ID 83440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 0.47% |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.20% |
| VIRGINIA KEZELE3 | 15007 W PINCHOT AVE GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.06% |
| WILLAIM KEZELE3 | PO BOX 5597 TWIN FALLS, ID 83303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 97 | $109K |
| Vision | UNITED HERITAGE LIFE INS CO | 149 | $21K |
| Life insurance(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 225 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $18K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.