| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT RAGLAND3 | 16220 N SCOTTSDALE RD SCOTTSDALE, AZ 85254 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | — | $5K | $5K | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | C/O WILLIS SAN FRANCISCO LOCKBOX LOCKBOX 100485 BANC ONE DEPT 100485 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 3.52% |
| PRINT TIME, INC.5 | 2634 S. 16TH ST PHOENIX, AZ 85034 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.13% |
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 | 964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 49 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 838 | $7.3M |
| Dental | DELTA DENTAL OF IDAHO | 717 | $548K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 620 | $86K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 988 | $403K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 988 | $403K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 988 | $403K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 838 | $7.3M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,048 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,048 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.