| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERSTAD & COMPANY3 | 1108 W BOISE AVE STE 100 BOISE, ID 83607 | REGENCE BLUE SHIELD OF IDAHO | $56K | $25K | $81K | 4.88% |
| LYNN, MORGAN, & THOMAS, INC.3 Filed as: LYNN, MORGAN, & THOMAS, INC | 372 SOUTH EAGLE ROAD STE 335 EAGLE, ID 83616 | LIFEMAP ASSURANCE CIMPANY | $28K | — | $28K | 13.51% |
| PACIFIC BUSINESS SOLUTIONS, LLC3 Filed as: PACIFIC BUSINESS SOLUTIONS LLC | PO BOX 240655 HONOLULU, IL 96824 | UNIVERSITY HEALTH ALLIANCE | $4K | — | $4K | 3.50% |
| LYNN, MORGAN, & THOMAS, INC. Filed as: LYNN, MORGAN, & THOMAS, INC | 372 SOUTH EAGLE ROAD STE 335 EAGLE, ID 83616 | DELTA DENTAL | $1K | — | $1K | 1.44% |
| LYNN, MORGAN, & THOMAS, INC.3 Filed as: LYNN, MORGAN, & THOMAS, INC | 372 S EAGLE RD STE 335 EAGLE, ID 836165908 | VISION SERVICES PLAN | $2K | — | $2K | 5.00% |
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 | 585 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUE SHIELD OF IDAHO | 391 | $1.8M |
| Dental | DELTA DENTAL | 470 | $76K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 589 | $143K |
| Life insurance | LIFEMAP ASSURANCE CIMPANY | 585 | $204K |
| Short-term disability | LIFEMAP ASSURANCE CIMPANY | 585 | $204K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 30 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.