| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE LAKE INSURANCE | 1601 ANTLER DRIVE IDAHO FALLS, ID 83404 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $9K | — | $9K | — |
| DELTA DENTAL OF IDAHO3 | 555 E PARKCENTER BLVD BOISE, ID 82029 | DELTA DENTAL OF IDAHO | — | $30K | $30K | — |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE LAKE INSURANCE | PO BOX 2751 IDAHO FALLS, ID 83403 | DELTA DENTAL OF IDAHO | $12K | — | $12K | — |
| GBS BENEFITS INC3 | 2200 S MAIN ST SALT LAKE CITY, UT 84115 | DELTA DENTAL OF IDAHO | $3K | — | $3K | — |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE LAKE INSURANCE | 1601 ANTLER DR IDAHO FALLS, ID 83404 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $344 | — | $344 | — |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE LAKE INSURANCE | 1601 ANTLER DR IDAHO FALLS, ID 83404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | — |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $262 | — | $262 | — |
| GBS BENEFITS INC3 | 2200 S MAIN ST SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | — |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE LAKE INSURANCE | 1601 ANTLER DR IDAHO FALLS, ID 83404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | — |
| GBS BENEFITS INC3 | 2200 S MAIN ST SALT LAKE CITY, UT 84115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $885 | $103 | $988 | — |
| MATTHEW B WALDRAM3 Filed as: MATTHEW WALDRAM | 1601 ANTLER DR IDAHO FALLS, ID 83404 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GORDON BROWN | 2200 S MAIN ST, STE 600 SOUTH SALT LAKE, UT 84115 | UNITED HERITAGE LIFE INSURANCE COMPANY | $491 | — | $491 | — |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | — |
| DENISE A MAXWELL3 | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | — |
| VIRGINIA KEZELE3 Filed as: VIRGINIA AYLES KEZELE | 15377 W VERDE LN GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | — |
| WILLIAM KEZELE3 | 4370 STONEBROOK LANE IDAHO FALLS, ID 83404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
| CARLOS APONTE3 | 136 SOUTH 1ST WEST REXBURG, ID 83440 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | $26K | — | $26K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GORDON BROWN | 465 S 400 E, STE 300 SALT LAKE CITY, UT 84111 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | $5K | $6K | $12K | — |
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 | 385 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC | 385 | $0 |
| Dental | DELTA DENTAL OF IDAHO | 238 | $0 |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 220 | $0 |
| Life insurance(3 contracts, 3 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 308 | $0 |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 70 | $0 |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 308 | $0 |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 308 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.