| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | BLUE CROSS OF IDAHO HEALTH SERVICE,INC. | $31K | — | $31K | 2.46% |
| SHELLI STAYNER3 Filed as: SHELLI R STAYNER | 800 W. MAIN ST. SUITE 1250 BOISE, ID 83702 | BLUE CROSS OF IDAHO HEALTH SERVICE,INC. | $10K | — | $10K | 0.82% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.28% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $114 | — | $114 | 0.59% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.77% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $127 | — | $127 | 0.70% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.85% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $170 | — | $170 | 1.15% |
| KRAUTER & COMPANY, LLC3 | 150 SPEAR STREET-SUITE 800 SAN FRANCISCO, CA 94105 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $142 | — | $142 | 10.96% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14 | — | $14 | 1.08% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE,INC. | 227 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 105 | $122K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 95 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $15K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE,INC. | 227 | $1.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE,INC. | 227 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.