| 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 | SYMETRA LIFE INSURANCE COMPANY | $11K | — | $11K | 4.36% |
| IDAHO BRANCH INC ASSOC GENERAL3 | 1649 W SHORELINE DR SUITE 100 BOISE, ID 83702 | SYMETRA LIFE INSURANCE COMPANY | — | $9K | $9K | 3.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER CO | 2850 GOLF RD 5TH FLR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | — | $7K | $7K | 2.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER CO | 2850 GOLF RD 5TH FLR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | — | $18 | $18 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IDAHO BRANCH INC, THE AGC EIN 82-0096397 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 1649 WEST SHORELINE DR, STE 100 BOISE, ID 83702 | $21K |
| HUB INTERNATIONAL MOUNTAIN STATES EIN 83-0185720 NONE | Insurance agents and brokers Service code 22 | 1010 S MAIN ST SHERIDAN, WY 828014223 | $6K |
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 | 1,873 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,873 | $245K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,873 | $245K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 533 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,873 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.