| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP INC | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | BLUECROSS BLUESHIELD OF MONTANA | $132K | $0 | $132K | 4.91% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES INC | 1580 MAKALOA STREET SUITE 1220 HONOLULU, HI 96814 | UNIVERSITY HEALTH ALLIANCE | $10K | $0 | $10K | 4.46% |
| DANIEL DAVID NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | DELTA DENTAL INSURANCE COMPANY | $9K | $0 | $9K | 5.00% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 20.87% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.07% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.00% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $301 | $0 | $301 | 10.02% |
| SHANNON L BRITTENHAM3 | 134 W BOWMAN DR KALISPELL, MT 59901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | — |
| ALESSANDRA L GEORGE3 | 736 COLUMBIA AVE WHITEFISH, MT 59937 | CONTINENTAL AMERICAN INSURANCE COMPANY | $488 | $0 | $488 | — |
| JODY L WALK3 | 2445 LAKE VISTA CT 115 CASSELBERRY, FL 32707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325 | $0 | $325 | — |
| ANDREW G THEIS3 | 2048 OVERLAND AVE 202 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $320 | $0 | $320 | — |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | $0 | $175 | — |
| WOITH INSURANCE AGENCY INC3 | 1725 41ST STREET S GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | $0 | $142 | — |
| LISA M HALL3 | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | — |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOXEMAN, MT 59718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | — |
| DAWN D SHEUE3 Filed as: DAWN SHUE | PO BOX 3986 JACKSON, WY 83001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | — |
| CASEY D HOBSON3 | 815 S BRIDGEWAY PLACE STE 100 EAGLE, ID 83616 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | — |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MONTANA | 487 | $2.9M |
| Dental(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 439 | $391K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 203 | $257K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 413 | $83K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 219 | $31K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $49K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MONTANA | 487 | $2.9M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 374 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.