| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $79K | — | $79K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53K | — | $53K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 10.00% |
| CYNTHIA SMART3 | 6977 N PENNCROSS WAY MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 3.64% |
| GARY GUSTIN3 | 1183 N BUFFALO WAY MIDDLETON, ID 83644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 1.89% |
| RICHARD K JOHNSON3 | 684 E VINE ST MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.58% |
| DANIEL JAMES JONES3 | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $90K | $8K | $98K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO EIN 82-0344294 NONE | Contract Administrator Service code 13 | — | $2.3M |
| GALLAGHER BENEFIT SERVICES INC NONE | Contract Administrator Service code 13 | 13965 W CHINDEN BLVD, STE 300 BOISE, ID 83713 | $60K |
| PEAK1 | Contract Administrator Service code 13 | 7600 MINERAL DRIVE, SUITE 450 COEUR DALENE, ID 83815 | $35K |
| 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 | $9K |
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 | 1,873 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 4,541 | $0 |
| Dental | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 4,541 | $0 |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 4,541 | $0 |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,892 | $882K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,196 | $354K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,716 | $301K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 4,541 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 4,541 | $0 |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,892 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,541 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.