| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2487 W NAVIGATOR DRIVE, SUITE 140 MERIDAN, ID 83642 | STANDARD INSURANCE COMPANY | $352K | — | $352K | 17.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2487 W NAVIGATOR DRIVE, SUITE 140 MERIDAN, ID 83642 | STANDARD INSURANCE COMPANY | $217K | — | $217K | 13.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2487 W NAVIGATOR DRIVE, SUITE 140 MERIDAN, ID 83642 | STANDARD INSURANCE COMPANY | $149K | — | $149K | 14.20% |
| CYNTHIA SMART3 | 6977 N PENNCROSS WAY MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 2.86% |
| GARY GUSTIN3 | 1183 NORTH BUFFALO WAY MIDDLETON, ID 83644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 1.51% |
| SCOTT HOWELL3 | 2487 W NAVIGATOR DRIVE, SUITE 140 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $169K | $50K | $219K | — |
| UNITED BEHAVIORAL HEALTH DBA OPTUM3 | 13625 TECHNOLOGY DRIVE EDEN PRAIRIE, MN 55344 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $71K | $71K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO EIN 82-0344294 NONE | Contract Administrator Service code 13 | — | $5.5M |
| DELTA DENTAL OF IDAHO EIN 82-0299431 NONE | Contract Administrator Service code 13 | 555 E PARKCENTER BLVD BOISE, ID 83706 | $207K |
| NAVIA BENEFIT SOLUTIONS | Contract Administrator Service code 13 | PO BOX 53250 BELLEVUE, WA 98015 | $114K |
| GALLAGHER BENEFIT SERVICES INC NONE | Contract Administrator Service code 13 | 13965 W CHINDEN BLVD, STE 300 BOISE, ID 83713 | $110K |
| BRIDGE HEALTH NONE | Contract Administrator Service code 13 | 4700 S SYRACUSE ST STE 900 DENVER, CO 80237 | $10K |
| WELLS FARGO, N.A. NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 301 W NORTHERN LIGHTS BLVD, SUITE 4 ANCHORAGE, AK 99503 | $5K |
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 | 3,331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 7,669 | $0 |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 7,669 | $2.8M |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 7,669 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 4,548 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,033 | $1.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,441 | $1.6M |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 7,669 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 7,669 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,669 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.