| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFITS3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $825 | $3K | 20.70% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $413 | $413 | 2.85% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $772 | $3K | 20.38% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $386 | $386 | 2.69% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS INC | 2448 N MERRITT CREEK LOOP COEUR DALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $535 | $2K | 20.69% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $268 | $268 | 2.85% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS INC | 2448 MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $979 | $483 | $1K | 22.40% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $242 | $242 | 3.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO, INC EIN 82-0206874 CLAIMS PROCESSING | Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Insurance brokerage commissions and fees; Float revenue; Other services Service code 12 | — | $86K |
| DELTA DENTAL OF IDAHO EIN 82-0299431 CLAIMS PROCESSING | Direct payment from the plan; Claims processing Service code 12 | 555 E PARKCENTER BLVD BOISE, ID 83706 | $60K |
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 | 87 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $24K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.