| 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 | $88K | — | $88K | 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 | $40K | — | $40K | 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 | $47K | — | $47K | 12.04% |
| 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% |
| CYNTHIA SMART3 | 6977 N PENNCROSS WAY MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 3.65% |
| GARY GUSTIN3 | 1183 N BUFFALO WAY MIDDLETON, ID 83644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 2.06% |
| RICHARD K JOHNSON3 | 684 E VINE ST MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.56% |
| DANIEL JAMES JONES3 | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $106K | $8K | $114K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO EIN 82-0344294 NONE | Contract Administrator Service code 13 | — | $2.6M |
| NAVIA BENEFIT SOLUTIONS | Contract Administrator Service code 13 | PO BOX 53250 BELLEVUE, WA 98015 | $352K |
| GALLAGHER BENEFIT SERVICES INC NONE | Contract Administrator Service code 13 | 13965 W CHINDEN BLVD, STE 300 BOISE, ID 83713 | $65K |
| 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 | 2,073 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 5,038 | $0 |
| Dental | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 5,038 | $0 |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 5,038 | $0 |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,053 | $985K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,412 | $388K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,822 | $348K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 5,038 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 5,038 | $0 |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,053 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,038 | — |
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.