| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN OVERBEY3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $49K | $2K | $51K | 2.78% |
| UNKNOWN3 | UNKNOWN HAILEY, ID 83333 | DELTA DENTAL OF IDAHO | $13K | $0 | $13K | 9.19% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $10K | 12.88% |
| KEVIN OVERBEY3 | 1420 5TH AVENUE, SUITE 1500 SAN DIEGO, CA 92101 | UNITED HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 277 | $1.8M |
| Dental | DELTA DENTAL OF IDAHO | 128 | $147K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 115 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $76K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $76K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $76K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 277 | $1.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 277 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.