| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 2600 ROSE HILL ST #101 BOISE, ID 83705 | DELTA DENTAL OF IDAHO | $2K | $0 | $2K | 1.58% |
| COMPASS BENEFIT ADVISORS LLC3 | 830 N MAIN ST MERIDIAN, ID 83642 | DELTA DENTAL OF IDAHO | $2K | $0 | $2K | 1.51% |
| SHANDRO, LORI E3 Filed as: THE SHANDRO GROUP, INC | 3380 W AMERICANA TERRACE SUITE 330 BOISE, ID 83706 | DELTA DENTAL OF IDAHO | $629 | $0 | $629 | 0.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 830 N MAIN ST STE 200 MERIDIAN, ID 83642 | DELTA DENTAL OF IDAHO | $293 | $0 | $293 | 0.29% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IDAHO | 122 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.