| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK WOODWORTH3 | PO BOX 3725 COEUR D ALENE, ID 83816 | BLUE CROSS OF IDAHO | $0 | $9K | $9K | 0.43% |
| MARK WOODWORTH3 | PO BOX 3725 COEUR D ALENE, ID 83816 | UNITED HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.22% |
| ACRISURE LLC3 | UNKNOWN COEUR D ALENE, ID 83816 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 22.51% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $561 | $369 | $930 | 1.92% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $640 | $253 | $893 | 1.84% |
| GABRIEL ANGEL CANALS3 Filed as: GABRIEL CANALS | 1549 NW CIVIC DRIVE, APARTMENT 204 GRASHAM, OR 97030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $146 | $290 | $436 | 0.90% |
| TIMOTHY CAMARATA3 | 3576 NORTH SHADOW COURT COEUR D ALENE, ID 83815 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $0 | $115 | 0.24% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 320 NANCY COURT MOSCOW, ID 83843 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.05% |
| MJ INSURANCE3 Filed as: TRICIA MILLER AND VARIOUS AGENTS | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO | 354 | $2.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 157 | $134K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 303 | $74K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 303 | $74K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 303 | $74K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 303 | $74K |
| Prescription drug | BLUE CROSS OF IDAHO | 354 | $2.2M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 290 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.