| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $151K | — | $151K | 9.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $125K | — | $125K | 9.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 2.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $89K | — | $89K | 11.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 2.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 1.01% |
| CYNTHIA SMART3 | 6977 N PENNCROSS WAY MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 3.19% |
| GARY GUSTIN3 | 1183 NORTH BUFFALO WAY MIDDLETON, ID 83644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 1.51% |
| DANIEL JAMES JONES3 | 13965 W. CHINDEN BLVD, STE 300 BOISE, ID 83713 | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | $123K | $50K | $173K | — |
| UNITED BEHAVIORAL HEALTH DBA OPTUM3 | 13625 TECHNOLOGY DRIVE EDEN PRAIRIE, MN 55344 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $51K | $51K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS OF IDAHO EIN 82-0344294 NONE | Contract Administrator Service code 13 | — | $3.0M |
| DELTA DENTAL OF IDAHO EIN 82-0299431 NONE | Contract Administrator Service code 13 | 555 E PARKCENTER BLVD BOISE, ID 83706 | $172K |
| GALLAGHER BENEFIT SERVICES INC NONE | Contract Administrator Service code 13 | 13965 W CHINDEN BLVD, STE 300 BOISE, ID 83713 | $113K |
| NAVIA BENEFIT SOLUTIONS | Contract Administrator Service code 13 | PO BOX 53250 BELLEVUE, WA 98015 | $67K |
| BRIDGE HEALTH NONE | Contract Administrator Service code 13 | 4700 S SYRACUSE ST STE 900 DENVER, CO 80237 | $50K |
| 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 | 2,952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,989 | 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. | 6,864 | $0 |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 6,864 | $2.2M |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 6,864 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 3,756 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,965 | $789K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,787 | $1.6M |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 6,864 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF IDAHO HEALTH SERVICE, INC. | 6,864 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,864 | — |
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.