| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEAN-PAUL DUPIN3 | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $40K | $5K | $45K | 5.10% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS, INC. | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83812 | DELTA DENTAL OF IDAHO | $7K | — | $7K | 8.00% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS, INC. | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 12.50% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS, INC. | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $1K | — | $1K | 5.57% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS, INC. | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83814 | WILLAMETTE DENTAL OF IDAHO, INC. | $858 | — | $858 | 5.00% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 228 | $883K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 94 | $108K |
| Vision | VISION SERVICE PLAN | 88 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $70K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 228 | $883K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.