| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS GROUP | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $42K | $2K | $44K | 4.55% |
| UNKNOWN3 | UNKNOWN POST FALLS, ID 83854 | DELTA DENTAL OF IDAHO | $8K | $0 | $8K | 7.65% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT INC. | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $469 | $4K | 19.08% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS GROUP | — | WILLAMETTE DENTAL OF IDAHO, INC. | $937 | $2K | $3K | 17.50% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT INC. | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $349 | $2K | 12.06% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS GROUP | 1299 WEST RIVERSTONE DRIVE SUITE 105 COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.00% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT INC. | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $287 | $2K | 12.05% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT INC. | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $220 | $2K | 17.01% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT INC. | 1299 WEST RIVERSTONE DRIVE COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $226 | $1K | 12.09% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS GROUP | 1299 WEST RIVERSTONE ROAD COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $47 | $0 | $47 | 3.71% |
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 | 117 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 249 | $966K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 93 | $117K |
| Vision | VISION SERVICE PLAN | 79 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $14K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 249 | $966K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.