| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: JEAN-PAUL DUPIN, ALLIANT INSURANCE | 2185 N CALIFORNIA BLVD SUITE 400 WALNUT CREEK, CA 94596 | REGENCE BLUE SHIELD OF IDAHO, INC | $0 | $0 | $0 | 0.00% |
| SILVERMAN, MEGAN R3 | 1423 MARTIN MEADOWS DR FALLISTON, MD 21047 | AMERITAS LIFE INSURANCE CORP | $26K | $0 | $26K | 11.56% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | AMERITAS LIFE INSURANCE CORP | $11K | $0 | $11K | 4.95% |
| DOHERTY FRANK P3 Filed as: DOHERTY, FRANK P | 4 WICKLOW CT WAYNE, PA 19087 | AMERITAS LIFE INSURANCE CORP | $4K | $0 | $4K | 2.00% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.28% |
| SILVERMAN, MEGAN R3 | 1423 MARTIN MEADOWS DR FALLISTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $164 | $3K | 5.00% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.32% |
| SILVERMAN, MEGAN | 14723 MARTIN MEADOWS DR FALLISTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $156 | $3K | 6.76% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLISTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.96% |
| ERIC M SILVERMAN5 | 1423 MARTIN MEADOWS DR FALLISTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 11.96% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.98% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S SUITE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $669 | $669 | 2.00% |
| ERIC M SILVERMAN5 | 1423 MARTIN MEADOWS DR FALLISTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 17.26% |
| ERIC M SILVERMAN3 | 1423 MARTIN MEADOWS DR FALLISTON, MD 21047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.78% |
| NATIONAL BENEFIT PARTNER WEST LLC3 | 99 WOOD AVE S SUITE 501 ISELIN, NJ 08830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 8.33% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO, INC EIN 82-0206874 CLAIMS PROCESSING SERVICE | Other services; Float revenue; Claims processing; Insurance brokerage commissions and fees; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | — | $175K |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUE SHIELD OF IDAHO, INC | 566 | $701K |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,165 | $224K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,165 | $224K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $100K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $51K |
| Stop-loss / reinsurancereinsurance | REGENCE BLUE SHIELD OF IDAHO, INC | 566 | $701K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,165 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.