| 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 | STANDARD INSURANCE COMPANY | $143K | — | $143K | 10.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $69K | — | $69K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $55K | — | $55K | 9.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 3.52% |
| CYNTHIA SMART3 | 6977 N PENNCROSS WAY MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 3.59% |
| GARY GUSTIN3 | 1183 N BUFFALO WAY MIDDLETON, ID 83644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 1.99% |
| RICHARD K JOHNSON3 | 684 E VINE ST MURRAY, UT 84107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.27% |
| DANIEL JAMES JONES3 | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $96K | $105K | $201K | — |
| UNITED BEHAVIORAL HEALTH DBA OPTUM3 | 13625 TECHNOLOGY DRIVE EDEN PRAIRIE, MN 55344 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $49K | $49K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO EIN 82-0344294 NONE | Contract Administrator Service code 13 | — | $2.5M |
| DELTA DENTAL OF IDAHO EIN 82-0299431 NONE | Contract Administrator Service code 13 | 555 E PARKCENTER BLVD BOISE, ID 83706 | $155K |
| GALLAGHER BENEFIT SERVICES INC NONE | Contract Administrator Service code 13 | 13965 W CHINDEN BLVD, STE 300 BOISE, ID 83713 | $82K |
| BRIDGE HEALTH NONE | Contract Administrator Service code 13 | 4700 S SYRACUSE ST STE 900 DENVER, CO 80237 | $49K |
| NAVIA BENEFIT SOLUTIONS | Contract Administrator Service code 13 | PO BOX 53250 BELLEVUE, WA 98015 | $44K |
| 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 | 2,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 224 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,894 | 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. | 6,173 | $0 |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 6,173 | $2.2M |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 6,173 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 3,768 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,197 | $593K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,594 | $686K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 6,173 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 6,173 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,173 | — |
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.