| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 | 136 S 1ST W REXBURG, ID 83440 | DELTA DENTAL OF IDAHO | $34K | — | $34K | 2.72% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DRIVE IDAHO FALLS, ID 83404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 0.92% |
| INTERMOUNTAIN INSURANCE SERVICES3 | 309 PROFIT STREET #1104 REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 0.92% |
| CARLOS APONTE3 | 309 PROFIT ST #1104 REXBURG, ID 83440 | BLUE CROSS OF IDAHO | $174K | — | $174K | 22.03% |
| BLACK INK BENEFITS3 | — | WILLAMETTE DENTAL OF IDAHO | $17K | — | $17K | 4.55% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 7.31% |
| INTERMOUNTAIN INSURANCE SERVICES3 | 309 PROFIT STREET #1104 REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 7.31% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DRIVE IDAHO FALLS, ID 83404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.26% |
| INTERMOUNTAIN INSURANCE SERVICE3 | 309 PROFIT ST #1104 REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.26% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.01% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $661 | — | $661 | 2.52% |
| INTERMOUNTAIN INSURANCE SERVICES3 | 309 PROFIT STREET #1104 REXBURG, ID 83440 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $191 | — | $191 | 0.73% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 0.64% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.56% |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.27% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE RD STE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.21% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.21% |
| MATTHEW B WALDRAM3 | P.O. BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $741 | — | $741 | 15.00% |
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 | 2,291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO | 4,208 | $788K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 1,263 | $1.6M |
| Vision | BLUE CROSS OF IDAHO | 4,208 | $788K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,291 | $1.3M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,291 | $1.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,291 | $1.0M |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 1,473 | $1.9M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,291 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,208 | — |
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.