| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | PACIFICSOURCE HEALTH PLANS | $66K | — | $66K | 2.80% |
| ECHELON GROUP INC3 | 405 W MYRTLE ST STE 100 BOISE, ID 83702 | PACIFICSOURCE HEALTH PLANS | $13K | — | $13K | 0.57% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | PACIFICSOURCE HEALTH PLANS | — | — | $0 | 0.00% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | DELTA DENTAL OF WASHINGTON | $4K | — | $4K | 2.24% |
| ECHELON GROUP INC3 | 405 W MYRTLE ST STE 100 BOISE, ID 83702 | DELTA DENTAL OF WASHINGTON | $862 | — | $862 | 0.53% |
| ECHELON GROUP INC3 | 405 W MYRTLE ST STE 100 BOISE, ID 83702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.14% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.86% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.20% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.74% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | WILLAMETTE DENTAL OF WASHINGTON INC | $1K | — | $1K | 3.00% |
| ECHELON GROUP INC3 | 405 W MYRTLE ST STE 100 BOISE, ID 83702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $996 | $3K | 9.53% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.03% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $854 | $854 | 2.59% |
| ECHELON GROUP INC3 | 405 W MYRTLE ST STE 100 BOISE, ID 83702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $991 | — | $991 | 6.69% |
| ADVANCED BENEFIT INC3 | 2448 N MERRITT CREEK LOOP COEUR D ALENE, ID 83814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $491 | — | $491 | 3.31% |
| ECHELON GROUP INC3 | 408 E PARKCENTER BLVD STE 330 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $460 | $460 | 3.10% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $394 | $394 | 2.66% |
No Schedule C service providers reported on this filing.
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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 231 | $2.3M |
| Dental(3 contracts, 3 carriers) | PACIFICSOURCE HEALTH PLANS | 231 | $2.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $81K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $33K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.