| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLACK INK BENEFITS3 | 2240 E 25TH ST IDAHO FALLS, ID 83402 | STEALTH | $51K | — | $51K | 12.59% |
| BALLARD INSURANCE GROUP LLC3 | 147 N 2ND E, STE 1 REXBURG, ID 83440 | DELTA DENTAL OF IDAHO | $10K | — | $10K | 3.04% |
| CASTLE LAKE INSURANCE LLC3 | P.O. BOX 2751 IDAHO FALLS, ID 83404 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.43% |
| CASTLE LAKE INSURANCE LLC3 | P.O. BOX 2751 IDAHO FALLS, ID 83404 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.91% |
| MATTHEW B WALDRAM3 | P.O. BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.43% |
| BALLARD INSURANCE GROUP LLC3 | 147 N 2ND E STE 1 REXBURG, ID 83440 | VISION SERVICE PLAN | $2K | — | $2K | 2.98% |
| BALLARD INSURANCE GROUP LLC3 | 147 N 2ND E STE 1 REXBURG, ID 83440 | WILLAMETTE DENTAL GROUP | $3K | — | $3K | 5.00% |
| CASTLE LAKE INSURANCE LLC3 | P.O. BOX 2751 IDAHO FALLS, ID 83404 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.04% |
| MATTHEW B WALDRAM3 | P.O. BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.01% |
| MATTHEW B WALDRAM3 | P.O. BOX 2751 IDAHO FALLS, ID 83403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $24 | $3K | 16.76% |
| DENISE A MAXWELL3 | 4948 KOOTENAI ST. BOISE, ID 83705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $423 | $333 | $756 | 4.49% |
| ROD FURNISS EMPLOYEE BENEFITS3 | 2240 E 25TH ST IDAHO FALLS, ID 83404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $0 | $378 | 2.25% |
| WILLIAM KEZELE3 | P.O. BOX 5597 TWIN FALLS, ID 83303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $18 | $32 | 0.19% |
| VIRGINIA KEZELE3 | 15007 W PINCHOT AVE. GOODYEAR, AZ 85395 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 534 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 336 | $397K |
| Vision | VISION SERVICE PLAN | 326 | $68K |
| Life insurance(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $234K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 534 | $137K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 534 | $169K |
| Stop-loss / reinsurancereinsurance | STEALTH | 477 | $404K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 534 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.