| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE LAKE INSURANCE | 1601 ANTLER DR IDAHO FALLS, ID 83404 | LIFEMAP ASSURANCE COMPANY | $20K | — | $20K | 12.91% |
| ADVANCED BENEFITS3 | 2448 N MERRIT CREEK LOOP COEUR D ALENE, ID 83814 | WILLAMETTE DENTAL OF IDAHO, INC. | $4K | — | $4K | 4.59% |
| MATTHEW B WALDRAM3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 11.04% |
| DENISE A MAXWELL3 Filed as: DENISE MAXWELL | 3501 W TORANA DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 0.91% |
| LYNSAY GROSS3 | 472 WEST CAGNEY DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | — | $239 | 0.69% |
| LOIS FLEENER3 | 6330 HIGHPOINT AVE. BEAUMONT, TX 77708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.33% |
| MARY BROOK FORD-PRITCHETT3 | 2108 N HARRISON BLVD BOISE, ID 83702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| REGENCE BLUESHIELD OF IDAHO, INC. EIN 82-0206874 CLAIMS PROCESSING SVC PRO | Other services; Claims processing; Insurance brokerage commissions and fees; Direct payment from the plan; Non-monetary compensation; Float revenue; Contract Administrator Service code 12 | — | $233K |
| ADVANCED BENEFIT INC. EIN 33-0785439 BROKER | Insurance agents and brokers Service code 22 | 2448 N MERRIT CREEK LOOP COEUR D ALENE, ID 83814 | $67K |
| DELTA DENTAL OF IDAHO EIN 82-0299431 TPA | Contract Administrator Service code 13 | 555 E PARKCENTER BLVD BOISE, ID 83706 | $6K |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF IDAHO, INC. | 86 | $86K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 412 | $157K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 412 | $157K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 412 | $157K |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 412 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.