| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELINDA MCDANIEL3 | 830 N MAIN ST SUITE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE INC. | $13K | $0 | $13K | 1.89% |
| SUSAN BROCKE3 | 830 N MAIN ST SUITE 200 MERIDIAN, ID 83642 | BLUE CROSS OF IDAHO HEALTH SERVICE INC. | $13K | $0 | $13K | 1.89% |
| JEFFREY FALLICK3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF IDAHO HEALTH SERVICE INC. | $7K | $4K | $11K | 1.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF IDAHO | $3K | $0 | $3K | 4.58% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT ADVISORS, LLC | 830 N MAIN ST SUITE 200 MERIDIAN, ID 83642 | DELTA DENTAL OF IDAHO | $2K | $0 | $2K | 3.41% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT ADVISORS, LLC | 830 N MAIN ST SUITE 200 MERIDIAN, ID 83642 | UNITED OF OMAHA LIFE INSURANCE CO | $4K | $153 | $4K | 15.60% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT ADVISORS, LLC | 830 N MAIN ST SUITE 200 MERIDIAN, ID 83642 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $122 | $3K | 15.60% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT ADVISORS, LLC | 830 N MAIN ST SUITE 200 MERIDIAN, ID 83642 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $94 | $2K | 15.60% |
| COMPASS BENEFIT ADVISORS LLC3 Filed as: COMPASS BENEFIT ADVISORS, LLC | 830 N MAIN ST SUITE 200 MERIDIAN, ID 83642 | VISION SERVICE PLAN | $508 | $0 | $508 | 3.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $390 | $0 | $390 | 2.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITAL INSURANCE, INC ADMINISTRATOR | Contract Administrator Service code 13 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $14K |
| MELINDA MCDANIEL ADMINISTRATOR | Contract Administrator Service code 13 | 830 N MAIN ST SUITE 200 MERIDIAN, ID 83642 | $13K |
| SUSAN BROCKE ADMINISTRATOR | Contract Administrator Service code 13 | 830 N MAIN ST SUITE 200 MERIDIAN, ID 83642 | $13K |
| COMPASS BENEFIT ADVISORS ADMINISTRATOR | Contract Administrator Service code 13 | 830 N MAIN ST SUITE 200 MERIDIAN, ID 83642 | $12K |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE INC. | 143 | $688K |
| Dental | DELTA DENTAL OF IDAHO | 122 | $65K |
| Vision | VISION SERVICE PLAN | 144 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 187 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 187 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 187 | $25K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 187 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.