| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYANT G. DAVIS3 | P.O. BOX 310 BOISE, ID 83701 | REGENCE BLUESHIELD OF IDAHO | $8K | — | $8K | 3.24% |
| BRYANT G. DAVIS3 | P.O. BOX 310 BOISE, ID 83701 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $7K | $1K | $8K | 5.84% |
| PROFESSIONAL BENEFIT CONSULTANTS3 Filed as: PROFESSIONAL BENEFIT CONSULTANTS IN | 7525 SE 24TH STREET STE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 24.57% |
| DAVSKEL, INC3 | P.O. BOX 310 BOISE, ID 83701 | DELTA DENTAL OF IDAHO | $2K | — | $2K | 3.00% |
| AUSTIN WARNER3 | 1111 W. JEFFERSON ST. STE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $7K | $2K | $9K | 18.32% |
| BAILEY INSURANCE GROUP3 | 1111 W, JEFFERSON ST. STE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $1K | $448 | $2K | 3.58% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD OF IDAHO | 111 | $402K |
| Dental | DELTA DENTAL OF IDAHO | 112 | $67K |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 111 | $145K |
| Life insurance | STANDARD INSURANCE COMPANY | 132 | $72K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 132 | $122K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 111 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.