| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS, INC. | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83814 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $47K | $4K | $51K | 4.94% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS,INC. | 1299 W RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83814 | DELTA DENTAL OF IDAHO | $5K | — | $5K | 4.64% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $10K | 16.30% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC | 455 N CITYFRONT PLZ DR 13 FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.05% |
| NATINOAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.86% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $1K | — | $1K | 5.38% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 1299 WEST RIVERSTONE DRIVE SUITE 200 COEUR D ALENE, ID 83814 | WILLAMETTE DENTAL OF IDAHO, INC. | $1K | — | $1K | 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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 131 | $1.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 109 | $123K |
| Vision | VISION SERVICE PLAN | 102 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $64K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 131 | $1.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.