Form 5500 · Employee benefit plan · COEUR D ALENE, ID
KOOTENAI CLINICS, LLC
The filing calls this plan KOOTENAI CLINIC, LLC HEALTH AND WELFARE PLAN.
KOOTENAI CLINICS, LLC of COEUR D ALENE, ID files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is CHAD R. MURRAY. Coverage is written through UNITED HERITAGE LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-4069155 · plan 501 · plan year 2025, filed Jun 23, 2026
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354 other employer plans in Idaho have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, dental, vision, life and disability; the largest, with UNITED HERITAGE LIFE INSURANCE COMPANY, covers 4,134 people.
Reported premium across the insured contracts is $7,224,498, with $751,958 in disclosed broker commissions — about 10% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
CHAD R. MURRAY is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including UNITED HERITAGE LIFE INSURANCE COMPANY, NORTHWEST DENTAL BENEFITS, WILLAMETTE DENTAL OF IDAHO, INC. and ALLYHEALTH LLC. UNITED HERITAGE LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED HERITAGE LIFE INSURANCE COMPANY | Vision, Life, Disability | 4,134 | Jan 1, 2026 | $4,483,717 | $350,248 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Health | 1,435 | Jan 1, 2026 | $522,489 | $185,139 |
| ALLYHEALTH LLC | — | 4,587 | Jan 1, 2026 | $590,728 | $147,682 |
| NORTHWEST DENTAL BENEFITS | Dental | 1,978 | Jan 1, 2026 | $834,501 | $57,018 |
| WILLAMETTE DENTAL OF IDAHO, INC. | Dental | 1,198 | Jan 1, 2026 | $628,663 | $11,871 |
| VITAL WORKLIFE | — | 4,134 | Jan 1, 2026 | $164,400 | $0 |
Premium and claims on this contract
WILLAMETTE DENTAL OF IDAHO, INC., contract ID198. For the contract year on this filing, the carrier reported $628,663 in premium earned and $597,661 in claims incurred. Dividing one by the other gives 95%.
- WILLAMETTE DENTAL OF IDAHO, INC., contract ID198 reported $62,476 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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