| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN SPOKANE, WA 99224 | DELTA DENTAL OF IDAHO | $2K | $0 | $2K | 4.70% |
| MARK WOODWORTH3 | PO BOX 3725 COEUR D ALENE, ID 83816 | UNITED HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 14.99% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 601 EAST FRONT AVENUE, SUITE 303 CORUR D ALENE, ID 83816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $884 | $4K | 20.63% |
| TIMOTHY CAMARATA3 | 3676 NORTH SHADOW COURT COEUR D ALENE, ID 83815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | $30 | $839 | 3.93% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | 112 NW, 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $340 | $597 | 2.80% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NE, 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | $129 | $435 | 2.04% |
| GABRIEL ANGEL CANALS3 | 1549 NW CIVIC DRIVE, APARTMENT 204 GRESHAM, OR 97030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $17 | $54 | 0.25% |
| THE MURRAY GROUP3 | 601 EAST FRONT AVENUE, SUITE 104 COEUR D ALENE, ID 83814 | WILLAMETTE DENTAL OF WASHINGTON INC | $1K | $0 | $1K | 5.00% |
| THE MURRAY GROUP3 | 601 EAST FRONT AVENUE, SUITE 104 COEUR D ALENE, ID 83814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.18% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.42% |
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 | 82 | 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) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 63 | $69K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $10K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 82 | $44K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 82 | $44K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 82 | $44K |
| Other(2 contracts, 2 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 86 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.