| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYANT G. DAVIS3 | P.O. BOX 310 BOISE, ID 83701 | REGENCE BLUESHIELD OF IDAHO | $9K | $780 | $10K | 3.03% |
| BRYANT G. DAVIS3 | P.O. BOX 310 BOISE, ID 83701 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $10K | $1K | $11K | 6.55% |
| AUSTIN WARNER3 | 1111 W. JEFFERSON ST. STE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $12K | $4K | $16K | 20.02% |
| BAILEY INSURANCE GROUP3 | 1111 W. JEFFERSON ST. STE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $2K | $1K | $3K | 4.32% |
| PROFESSIONAL BENEFIT CONSULTANTS3 Filed as: PROFESSIONAL BENEFIT CONSULTANTS IN | 7525 SE 24TH STREET STE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 24.96% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD OF IDAHO | 110 | $498K |
| Dental | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 93 | $168K |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 93 | $168K |
| Life insurance | STANDARD INSURANCE COMPANY | 131 | $77K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 131 | $157K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 93 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.