| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS, INC. | 2448 W MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $42K | $4K | $46K | 3.77% |
| ADVANCED BENEFITS3 Filed as: ADVANCED BENEFITS,INC. | 2448 W MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | DELTA DENTAL OF IDAHO | $4K | — | $4K | 4.58% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 2448 W MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $17K | 18.45% |
| NATIONAL BENEFIT CENTER3 | 6830 CHOCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.94% |
| FMLA SOURCE INC5 Filed as: FMLA SOURCE | 455 N CITYFRONT PLZ DR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.85% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 2448 W MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | WILLAMETTE DENTAL OF IDAHO, INC. | $1K | — | $1K | 5.00% |
| ADVANCED BENEFIT INC3 Filed as: ADVANCED BENEFIT, INC. | 2448 W MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $1K | — | $1K | 5.49% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $94 | — | $94 | 0.50% |
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 | 126 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 250 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 100 | $116K |
| Vision | VISION SERVICE PLAN | 85 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $91K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $91K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 250 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.