| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M S ADMINISTRATIVE SERVICES, INC3 Filed as: M S ADMINISTRATIVE SERVICES, INC. | P.O. BOX 45073 BOISE, ID 83711 | QBE INSURANCE | $3K | $43K | $47K | 25.51% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE AGENCY, INC | WALL STREET PLAZA 88 PINE STREET NEW YORK, NY 10005 | QBE INSURANCE | — | $32K | $32K | 17.55% |
| UNITED STATES FIRE INSURANCE COMPAN3 | 305 MADISON AVENUE MORRISTOWN, NJ 07960 | US FIRE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ANGELA S BRINGHURST3 | 536 W BAYHILL DRIVE NAMPA, ID 83686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $748 | $4K | 9.94% |
| ERIC W JONES3 | 863 FILLMORE WAY MERIDIAN, ID 83642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $852 | $585 | $1K | 3.19% |
| STEVEN K BRINGHURST3 | 536 W BAYHILL DRIVE NAMPA, ID 83686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $834 | $1K | 2.88% |
| ELIZABETH MARIE MOOTE3 | 412 FALL DR NAMPA, ID 83686 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $644 | — | $644 | 1.43% |
| STEVEN TURNER3 | 12044 W DALLAN DR BOISE, ID 83713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $453 | — | $453 | 1.00% |
| TAYLOR ANDERSON3 | 8909 WEST IRVING STREET BOISE, ID 83704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.26% |
| STEPHANIE KRISTIN LIVELY3 | 969 W KINGSLEY DR MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $26 | $109 | 0.24% |
| ZINA OSTER3 | 3153 FOREST DR CHEYENNE, WY 82001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.06% |
| JOEL N NEWMAN AGENCY LLC3 | 12360 LAKE CITY WAY NE SEATTLE, WA 98125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QBE INSURANCE | 112 | $183K |
| Dental | QBE INSURANCE | 112 | $183K |
| Vision | QBE INSURANCE | 112 | $183K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 61 | $45K |
| Short-term disability | QBE INSURANCE | 112 | $183K |
| Long-term disability | QBE INSURANCE | 112 | $183K |
| Prescription drug | QBE INSURANCE | 112 | $183K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 107 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.