| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES Filed as: INTERMOUNTAIN UNDERWRITERS | 2806 S GARFIELD MISSOULA, MT 59801 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANT BENEFIT PLAN MANAGEMENT EIN 81-0400550 ADMINISTRATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $59K |
| WYOMMING FINANCIAL ISURANCE ADMINISTRATION | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 400 EAST 1ST SUITE 105 CASPER, WY 82601 | $52K |
| CONNECTICUT GENERAL LIFE ADMINISTRATION | Claims processing; Plan Administrator Service code 12 | — | $19K |
| HEALTHIESTYOU | Consulting (general) Service code 16 | — | $16K |
| ALLEGIANT CARE MANAGEMENT ADMINISTRATION | Consulting (general); Claims processing; Contract Administrator; Plan Administrator Service code 12 | — | $16K |
| LEO RILEY AND COMPANY NONE | Accounting (including auditing) Service code 10 | 141 SOUTH CENTER 200 CASPER, WY 82601 | $15K |
| DELTA DENTAL OF WYOMING EIN 83-0209667 ADMINISTRATION | Accounting (including auditing) Service code 10 | — | $10K |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WYOMING | 210 | $10K |
| Vision | STANDARD INSURANCE COMPANY | 202 | $53K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 224 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.