| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUDY DANE3 | PO BOX 5099 TWIN FALLS, ID 83303 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $2K | — | $2K | 0.95% |
| TONI PRICE3 | PO BOX 5099 TWIN FALLS, ID 83303 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $2K | — | $2K | 0.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 157 RIVER VISTA DRIVE TWIN FALLS, ID 83301 | PAN-AMERICAN LIFE INSURANCE COMPANY | $4K | $30K | $34K | 111.55% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $2K | $2K | 6.42% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD 310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.78% |
| RXEDO0 | PO BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 157 RIVER VISTA DRIVE TWIN FALLS, ID 83301 | WILLAMETTE DENTAL OF IDAHO, INC | $888 | $3K | $4K | 16.03% |
| BOWEN INSURANCE GROUP, LLC3 | PO BOX 1064 BURLEY, ID 83318 | WILLAMETTE DENTAL OF IDAHO, INC | $1K | — | $1K | 5.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - TWIN FALLS | PO BOX 2158 RIVERSIDE, CA 92516 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.85% |
| KELLY BOWEN - BOR3 | PO BOX 1064 BURLEY, ID 83318 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $507 | — | $507 | 2.70% |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 70 | $194K |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL OF IDAHO, INC | 0 | $41K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 0 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 70 | — |
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.