| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 | 136 S 1ST W REXBURG, ID 83440 | DELTA DENTAL OF IDAHO | $35K | — | $35K | 3.00% |
| INTERMOUNTAIN INSURANCE SERVICES3 | 136 S 1ST W REXBURG, ID 83440 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.79% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.77% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $942 | — | $942 | 0.98% |
| STEVEN RAY GRIFFIN3 | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $127 | — | $127 | 0.13% |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.02% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.69% |
| INTERMOUNTIAN INSURANCE SERVICES3 | 136 S 1ST W REXBURG, ID 83440 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $407 | — | $407 | 1.06% |
| CASTLE LAKE INSURANCE LLC3 | 1601 ANTLER DR IDAHO FALLS, ID 83404 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $375 | — | $375 | 0.98% |
| STEVEN RAY GRIFFIN3 | STE 1400 2000 MORRIS AVE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.50% |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.23% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | STE 206 10930 CRABAPPLE RD ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.17% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | UNIT 208 648 VILLAGE PARK DR WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.17% |
| MATTHEW B WALDRAM3 | PO BOX 2751 IDAHO FALLS, ID 83403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $534 | — | $534 | 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 | 625 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IDAHO | 1,180 | $1.2M |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 124 | $38K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $4K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,180 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.