| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT TIERNEY3 | 830 N MAIN ST, STE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $48K | — | $48K | 3.44% |
| ROBERT TIERNEY3 | 830 N MAIN ST, STE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | — | $10K | $10K | 0.71% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT ADVISORS, LLC | 830 N MAIN ST, STE 200 MERIDIAN, ID 83642 | DELTA DENTAL OF IDAHO | $5K | — | $5K | 3.00% |
| COMPASS BENEFIT ADVISORS LLC3 | 830 N MAIN ST, SUITE 200 MERIDIAN, ID 83642 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| COMPASS BENEFIT ADVISORS LLC3 | 830 N MAIN ST, SUITE 200 MERIDIAN, ID 83642 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.88% |
| TIERNEY CONSULTING, INC3 | 2113 W PARKSTONE CT MERIDIAN, ID 836468200 | VISION SERVICE PLAN | $1K | — | $1K | 2.60% |
| COMPASS BENEFIT ADVISORS LLC3 | 830 N MAIN ST, STE 200 MERIDIAN, ID 836422611 | VISION SERVICE PLAN | $593 | — | $593 | 1.46% |
| COMPASS BENEFIT ADVISORS LLC3 | 830 N MAIN ST, SUITE 200 MERIDIAN, ID 83642 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| COMPASS BENEFIT ADVISORS LLC3 | 830 N MAIN ST, SUITE 200 MERIDIAN, ID 83642 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.67% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 403 | $1.4M |
| Dental | DELTA DENTAL OF IDAHO | 177 | $163K |
| Vision | VISION SERVICE PLAN | 180 | $41K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $63K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $52K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.