| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | — | $40K | 15.44% |
| IDAHO BRANCH INC ASSOC GENERAL3 | 1649 W SHORELINE DR SUITE 100 BOISE, ID 83702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 3.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 20.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TBX EMPLOYEE BENEFITS, LLC EIN 46-2887579 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1201 ELM ST., SUITE 4250 DALLAS, TX 75270 | $31K |
| GALLAGHER BENEFIT SERVICES INC. EIN 36-4291971 NONE | Insurance agents and brokers Service code 22 | 13965 W CHINDEN BLVD, STE 300 BOISE, ID 83713 | $23K |
| IDAHO BRANCH INC, THE AGC EIN 82-0096397 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 1649 WEST SHORELINE DR, STE 100 BOISE, ID 83702 | $5K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,229 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,346 | $259K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,226 | $107K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,346 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,346 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.