| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHAEL BROWN | 2501 EAST STATE AVE STE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $15K | $3K | $18K | 1.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: GEORGE M BROWN | 2501 E STATE AVE STE 200 MERIDIAN, ID 83642 | REGENCE BLUESHIELD OF IDAHO | $8K | $660 | $9K | 2.16% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | 2501 E STATE AVE STE 200 MERIDIAN, ID 83642 | DELTA DENTAL OF IDAHO | $3K | — | $3K | 3.00% |
| PROFESSIONAL BNFT CONSULTANTS3 | 7525 SE 24TH ST STE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 26.88% |
| AUSTIN WARNER3 | 1111 W. JEFFERSON ST. STE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $6K | $2K | $9K | 12.09% |
| MICHAEL CRAYTHORNE3 | 1111 W. JEFFERSON ST. STE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $467 | $199 | $666 | 0.91% |
| ROBERT J SHANNON3 | 1111 W JEFFERSON ST. STE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $146 | $46 | $192 | 0.26% |
| PROFESSIONAL BENEFIT CONSULTANTS3 Filed as: PROFESSIONAL BENEFIT CONSULTANTS IN | 7525 SE 24TH STREET STE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $825 | — | $825 | 10.63% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 137 | $1.4M |
| Dental | DELTA DENTAL OF IDAHO | 118 | $84K |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 137 | $975K |
| Life insurance | STANDARD INSURANCE COMPANY | 301 | $8K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 153 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.