| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUE CROSS BLUE SHIELD OF MONTANA | $64K | $1K | $65K | 5.30% |
| KARI SCHALIN3 | 1324 CENTRAL AVE. W SUITE 13 GREAT FALLS, MT 59404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 33.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 800 COFFEEN AVE SHERIDAN, WY 82801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.30% |
| VERNON LINDSTRAND3 | 3908 16TH AVENUE SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.76% |
| HOLLY A MARITA3 Filed as: HOLLY KRISTINE HALL | 2662 E. UPPER LAKE RD. HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $992 | — | $992 | 2.86% |
| JOSE CRUZ BLANCO3 | 2530 S. RUBEL WAY APT K SANTA MARIA, CA 93455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED I | 55 E JACKSON BLVD 12TH FL. CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $3K | $2K | $4K | 19.90% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 156 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MONTANA | 156 | $1.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 141 | $21K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 141 | $56K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 51 | $35K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 141 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.