| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBMS5 | 2075 OVERLAND AVE BILLINGS, MT 59102 | EBMS RE/BENCHMARK INSURANCE CO. | — | — | $0 | 0.00% |
| PEAK 1 ADMINISTRATION LLC3 Filed as: PEAK 1 ADMINISTRATION, LLC | 508 NW BLVD STE 200 COEUR DALENE, ID 83814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE | PO BOX 2518 BILLINGS, MT 591032518 | VISION SERVICE PLAN | $967 | — | $967 | 6.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MONTANA NONPROFIT ASSOCIATION EIN 73-1654969 PLAN SPONSOR | Other fees Service code 99 | — | $46K |
| WIPFLI LLP EIN 39-0758449 ACCOUNTING | Accounting (including auditing) Service code 10 | — | $16K |
| IT STARTS WITH ME WELLNESS | Other fees Service code 99 | 29 FORT MISSOULA ROAD MISSOULA, MT 59804 | $12K |
| RUDD & COMPANY PLLC ACCOUNTING | Accounting (including auditing) Service code 10 | 3805 VALLEY COMMONS DR SUITE 7 BOZEMAN, MT 59718 | $6K |
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 | 664 | 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) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 0 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $20K |
| Stop-loss / reinsurancereinsurance | EBMS RE/BENCHMARK INSURANCE CO. | 664 | $759K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.