| 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 | $15K | — | $15K | 1.46% |
| 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, INC. | $8K | $720 | $9K | 2.01% |
| PROFESSIONAL BNFT CONSULTANTS3 | 7525 SE 24TH ST STE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 26.10% |
| 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% |
| AUSTIN WARNER3 | 1111 W. JEFFERSON ST. STE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $6K | $3K | $9K | 12.56% |
| MICHAEL CRAYTHORNE3 | 1111 W. JEFFERSON ST. STE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $441 | $342 | $783 | 1.04% |
| ROBERT J SHANNON3 | 1111 W JEFFERSON ST. STE 540 BOISE, ID 83702 | NORTHWESTERN MUTUAL | $36 | $15 | $51 | 0.07% |
| PROFESSIONAL BENEFIT CONSULTANTS3 Filed as: PROFESSIONAL BENEFIT CONSULTANTS IN | 7525 SE 24TH STREET STE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 11.54% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO | 135 | $1.5M |
| Dental | DELTA DENTAL OF IDAHO | 121 | $88K |
| Vision | BLUE CROSS OF IDAHO | 135 | $997K |
| Life insurance | STANDARD INSURANCE COMPANY | 316 | $9K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 160 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.