| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY FALLICK3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF IDAHO HEALTH SERVICE INC. | $49K | $5K | $54K | 5.45% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF IDAHO | $8K | $0 | $8K | 7.99% |
| 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 | $2K | $5K | 11.56% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $0 | $3K | 8.01% |
| 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 | $1K | $3K | 11.98% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $0 | $2K | 7.97% |
| 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 | $1K | $3K | 11.55% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $0 | $2K | 8.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 SUITE 200 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.58% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | WILLAMETTE DENTAL OF IDAHO INC. | $690 | $0 | $690 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITAL INSURANCE, INC ADMINISTRATOR | Contract Administrator Service code 13 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $71K |
| COMPASS BENEFIT ADVISORS ADMINISTRATOR | Contract Administrator Service code 13 | 830 N MAIN ST SUITE 200 MERIDIAN, ID 83642 | $11K |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE INC. | 226 | $998K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 160 | $114K |
| Vision | VISION SERVICE PLAN | 169 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 220 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 220 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 220 | $39K |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 220 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.