Form 5500 · Employee benefit plan · BOISE, ID
PIONEER HOLDING, INC.
The filing calls this plan PIONEER TITLE COMPANY EMPLOYEE WELFARE BENEFIT PLA.
PIONEER HOLDING, INC. of BOISE, ID spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is DREW RANSTROM. Coverage is written through BLUE CROSS OF IDAHO and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 82-0347110 · plan 501 · plan year 2024, filed Oct 15, 2025
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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
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
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 5 insured contracts covering health, dental, vision and life; the largest, with BLUE CROSS OF IDAHO, covers 306 people.
Reported premium across the insured contracts is $2,808,342, with $76,527 in disclosed broker commissions — about 2.7% 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.
DREW RANSTROM is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS OF IDAHO, DELTA DENTAL, WILLAMETTE DENTAL INSURANCE, INC. and UNITED HERITAGE LIFE INSURANCE COMPANY. BLUE CROSS OF IDAHO writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS OF IDAHO | Health | 306 | Jan 1, 2025 | $2,604,958 | $68,811 |
| DELTA DENTAL | Dental | 148 | Jan 1, 2025 | $136,843 | $3,769 |
| UNITED HERITAGE LIFE INSURANCE COMPANY | Vision | 171 | Jan 1, 2025 | $23,804 | $2,380 |
| WILLAMETTE DENTAL INSURANCE, INC. | Dental | 71 | Jan 1, 2025 | $38,665 | $1,160 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 260 | Jan 1, 2025 | $4,072 | $407 |
Premium and claims on these contracts
BLUE CROSS OF IDAHO, contract 10036265. For the contract year on this filing, the carrier reported $2,604,958 in premium earned and $2,170,417 in claims incurred. Dividing one by the other gives 83%.
DELTA DENTAL, contract 4170. For the contract year on this filing, the carrier reported $136,843 in premium earned and $119,265 in claims incurred. Dividing one by the other gives 87%.
WILLAMETTE DENTAL INSURANCE, INC., contract ID233. For the contract year on this filing, the carrier reported $38,665 in premium earned and $20,644 in claims incurred. Dividing one by the other gives 53%.
- BLUE CROSS OF IDAHO, contract 10036265 reported $348,844 in retention.
- DELTA DENTAL, contract 4170 reported $21,559 in retention.
- WILLAMETTE DENTAL INSURANCE, INC., contract ID233 reported $11,639 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
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