| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN SANDPOINT, ID 83864 | DELTA DENTAL OF IDAHO | $2K | $0 | $2K | 4.99% |
| MARK WOODWORTH3 | PO BOX 3725 COEUR D ALENE, ID 83816 | UNITED HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| ACRISURE LLC3 | PO BOX 3725 COEUR D ALENE, ID 83816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $792 | $5K | 18.33% |
| THE MURRAY GROUP3 Filed as: THE MURRAY GROUP INC | PO BOX 3724 COEUR D ALENE, ID 83816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $769 | $899 | $2K | 6.71% |
| TIMOTHY CAMARATA3 | 3576 NORTH SHADOW COURT COEUR D ALENE, ID 83815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $14 | $2K | 6.38% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $352 | $649 | $1K | 4.03% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $598 | $358 | $956 | 3.85% |
| MJ INSURANCE3 Filed as: ISAACSON INS. AND VARIOUS AGENTS | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $58 | $165 | 0.66% |
| GABRIEL ANGEL CANALS3 Filed as: GABRIEL CANALS | 1329 NE 236TH AVENUE WOOD VILLAGE, OR 97060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $54 | $106 | 0.43% |
| THE MURRAY GROUP3 | 601 EAST FRONT AVENUE, SUITE 104 COUER D ALENE, ID 83814 | WILLAMETTE DENTAL OF WASHINGTON INC | $1K | $0 | $1K | 5.00% |
| THE MURRAY GROUP3 | 601 EAST FRONT AVENUE, SUITE 104 COUER D ALENE, ID 83814 | RELIANCE STANDARD LIFE INSURANCE | $1K | $0 | $1K | 10.88% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 65 | $65K |
| Vision | RELIANCE STANDARD LIFE INSURANCE | 169 | $10K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 72 | $33K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 72 | $33K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 72 | $33K |
| Other(2 contracts, 2 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 81 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.