| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEONID TOKAR3 | 8110 E. UNION AVENUE DENVER, CO 80237 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $45K | $4K | $49K | 2.68% |
| LOCKTON COMPANIES, LLC3 | 8110 E. UNION AVENUE DENVER, CO 80237 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 9.71% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 650823 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $510 | $2K | 11.32% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 650823 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $502 | $3K | 15.69% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 650823 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $483 | $3K | 17.48% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 650823 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $328 | $2K | 12.97% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 137 | $1.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 250 | $1.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $120K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $33K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $20K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 137 | $1.8M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.