| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA INSURANCE ADVISORS3 | 13030 PIERCE STREET, SUITE 300 OMAHA, NE 68144 | BLUECROSS BLUESHIELD OF MONTANA | $62K | $1 | $62K | 2.61% |
| DANIEL NELSON3 | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | BLUECROSS BLUESHIELD OF MONTANA | $54K | $1 | $54K | 2.29% |
| PANORAMA INSURANCE ADVISORS3 | 13030 PIERCE STREET, SUITE 300 OMAHA, NE 68144 | DELTA DENTAL INSURANCE COMPANY | $4K | $0 | $4K | 2.70% |
| DANIEL NELSON3 | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | DELTA DENTAL INSURANCE COMPANY | $4K | $0 | $4K | 2.31% |
| PANORAMA INSURANCE ADVISORS3 | 13030 PIERCE STREET, SUITE 300 OMAHA, NE 68144 | RELIANCE STANDARD LIFE INSURANCE | $10K | $0 | $10K | 10.00% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES INC | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | UNIVERSITY HEALTH ALLIANCE | $2K | $0 | $2K | 3.75% |
| DANIEL NELSON3 | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 14.95% |
| PANORAMA INSURANCE ADVISORS3 | 16030 VENTURA BOULEVARD, SUITE 260 ENCINO, CA 91436 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.57% |
| DANIEL NELSON3 | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.45% |
| PANORAMA INSURANCE ADVISORS3 | 8753 EAST BELL ROAD, SUITE 310 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $352 | $0 | $352 | 1.03% |
| SHANNON L BRITTENHAM3 Filed as: SHANNON L. BRITTENHAM | 134 WEST BOWMAN DRIVE KALISPELL, MT 59901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $681 | $0 | $681 | 6.46% |
| ALESSANDRA L GEORGE3 Filed as: ALESSANDRA L. GEORGE | 2329 ALPINE COURT WHITEFISH, MT 59937 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | $0 | $150 | 1.42% |
| JODY L WALK3 Filed as: JODY L. WALK | 2445 LAKE VISTA COURT, SUITE 115 CASSELBERRY, FL 32707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 1.03% |
| ANDREW G THEIS3 Filed as: ANDREW G. THEIS | 2685 PALMER STREET MISSOULA, MT 59808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | $0 | $89 | 0.84% |
| MJ INSURANCE3 Filed as: LISA M. HALL AND VARIOUS AGENTS | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | $0 | $50 | 0.47% |
| WOITH INSURANCE AGENCY INC3 Filed as: WOITH INSURANCE AGENCY | 1725 41ST STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.45% |
| CRAIG MICHELSEN3 Filed as: CRAIG S. MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.30% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MONTANA | 516 | $2.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 496 | $215K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 221 | $93K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 278 | $103K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE | 278 | $114K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 278 | $103K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MONTANA | 516 | $2.4M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE | 673 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.