| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW B WALDRAM Filed as: MATTHEW WALDRAM | PO BOX 2751 IDAHO FALLS, ID 83403 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| DELTA DENTAL OF IDAHO3 | 555 E PARKCENTER BLVD BOISE, ID 820299431 | DELTA DENTAL OF IDAHO | — | $23K | $23K | — |
| CASTLE LAKE INSURANCE LLC3 | PO BOX 2751 IDAHO FALLS, ID 83403 | DELTA DENTAL OF IDAHO | $12K | — | $12K | — |
| MATTHEW B WALDRAM3 Filed as: MATTHEW WALDRAM | PO BOX 2751 IDAHO FALLS, ID 83403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | — | $239 | — |
| DENISE A MAXWELL3 Filed as: DENISE MAXWELL | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | — |
| VIRIGINIA KEZELE3 | 15007 W PINCHOT AVE GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | — |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | — |
| WILLIAM KEZELE3 | PO BOX 5597 TWIN FALLS, ID 83303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | — |
| CASTLE LAKE INSURANCE LLC3 | PO BOX 2751 IDAHO FALLS, ID 83403 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $833 | — | $833 | — |
| CASTLE LAKE INSURANCE LLC3 | PO BOX 2751 IDAHO FALLS, ID 83403 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| STEVEN RAY GRIFFIN Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | — |
| CASTLE LAKE INSURANCE LLC | PO BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $257 | — | $257 | — |
| CASTLE LAKE INSURANCE LLC3 | PO BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | — |
| STEVEN RAY GRIFFIN Filed as: STEVEN GRIFFIN | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $90 | $1K | — |
| CASTLE LAKE INSURANCE LLC3 | PO BOX 2751 IDAHO FALLS, ID 83403 | UNUM | $2K | $0 | $2K | — |
| CARLOS APONTE3 | 136 SOUTH 1ST WEST REXBURG, ID 83440 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $27K | $217K | $244K | — |
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 | 355 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 177 | $0 |
| Dental | DELTA DENTAL OF IDAHO | 198 | $0 |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 355 | $0 |
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 77 | $0 |
| Short-term disability(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 77 | $0 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $0 |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.