| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 | 136 S 1ST W REXBURG, ID 83440 | DELTA DENTAL OF IDAHO | $40K | — | $40K | 3.00% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DRIVE IDAHO FALLS, ID 83404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 0.99% |
| INTERMOUNTAIN INSURANCE SERVICES3 | 309 PROFIT STREET #1104 REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 0.99% |
| CARLOS APONTE3 | 309 PROFIT ST #1104 REXBURG, ID 83440 | BLUE CROSS OF IDAHO | $146K | — | $146K | 16.66% |
| CASTLE LAKE INSURANCE LLC3 | P.O. BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 7.50% |
| INTERMOUNTAIN INSURANCE SERVICES3 | 309 PROFIT STREET #1104 REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK INK SOLUTIONS | — | WILLAMETTE DENTAL OF IDAHO | $15K | — | $15K | 5.00% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DRIVE IDAHO FALLS, ID 83404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.74% |
| INTERMOUNTAIN INSURANCE SERVICE3 | 309 PROFIT ST #1104 REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.74% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73 | $0 | $73 | 0.09% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $827 | — | $827 | 2.27% |
| INTERMOUNTAIN INSURANCE SERVICES3 | 309 PROFIT STREET #1104 REXBURG, ID 83440 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $370 | — | $370 | 1.01% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 0.93% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.47% |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.22% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE RD STE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.17% |
| MATTHEW B WALDRAM3 | P.O. BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $968 | — | $968 | 14.98% |
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 | 2,029 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO | 3,605 | $878K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 1,334 | $1.6M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,029 | $1.3M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,029 | $974K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,029 | $967K |
| Stop-loss / reinsurancereinsurance | AMERICAN FIDELITY ASSURANCE COMPANY | 1,386 | $1.4M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,029 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,605 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.