| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK WOODWORTH3 | PO BOX 3725 COEUR D ALENE, ID 83816 | BLUE CROSS OF IDAHO | — | $3K | $3K | 0.14% |
| MARK WOODWORTH3 | PO BOX 3725 COEUR D ALENE, ID 83816 | UNITED HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.15% |
| ACRISURE LLC3 | PO BOX 3725 CORUR D ALENE, ID 83816 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 20.70% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $383 | $905 | 1.86% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $543 | $211 | $754 | 1.55% |
| GABRIEL ANGEL CANALS3 Filed as: GABRIEL CANALS | 1549 NW CIVIC DRIVE, APARTMENT 204 GRESHAM, OR 97030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $81 | $208 | 0.43% |
| TIMOTHY CAMARATA3 | 3576 NORTH SHADOW COURT COUER D ALENE, ID 83815 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $190 | $5 | $195 | 0.40% |
| DAVID BARNEY3 | 550 W TENNESSE AVENUE POST FALLS, ID 83854 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $108 | $16 | $124 | 0.25% |
| MJ INSURANCE3 Filed as: RONALD JONES AND VARIOUS AGENTS | 320 NANCY COURT MOSCOW, ID 83843 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $5 | $42 | 0.09% |
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 | 348 | $2.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 147 | $154K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 204 | $80K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 204 | $80K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 204 | $80K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 204 | $80K |
| Prescription drug | BLUE CROSS OF IDAHO | 348 | $2.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 290 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.