| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HOUGHTON3 | 535 CONNECTICUT AVENUE, SUITE 502 NORWALK, CT 06854 | BLUE CROSS OF IDAHO | $24K | $3K | $28K | 1.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET SUITE 1000 SEATTLE, WA 98101 | BLUE CROSS OF IDAHO | $15K | — | $15K | 1.08% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 6.34% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVENUE, SUITE 502 NORWALK, CT 06854 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 6.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.16% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $30 | $30 | 0.03% |
| UNKNOWN3 | UNKNOWN WATERTOWN, MA 02472 | DELTA DENTAL OF IDAHO | $9K | — | $9K | 9.17% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO | 218 | $1.4M |
| Dental | DELTA DENTAL OF IDAHO | 106 | $94K |
| Vision | BLUE CROSS OF IDAHO | 218 | $1.4M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $103K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $103K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $103K |
| Prescription drug | BLUE CROSS OF IDAHO | 218 | $1.4M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.