| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 13030 PIERCE STREET, SUITE 300 OMAHA, NE 68144 | BLUECROSS BLUESHIELD OF MONTANA | $167K | $3 | $167K | 5.02% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.50% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 13030 PIERCE STREET, SUITE 300 OMAHA, NE 68144 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.00% |
| ADVANTAGE INSURANCE SERVICES, INC.3 Filed as: ADVANTAGE INSURANCE SERVICES INC | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | UNIVERSITY HEALTH ALLIANCE | $5K | $0 | $5K | 5.17% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.20% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 16030 VENTURA BOULEVARD, SUITE 260 ENCINO, CA 91436 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 9.84% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.85% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $270 | $0 | $270 | 0.53% |
| SHANNON L BRITTENHAM3 Filed as: SHANNON L. BRITTENHAM | 134 WEST BOWMAN DRIVE KALISPELL, MT 59901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 17.34% |
| ASHLEIGH GEORGE3 | 2685 PALMER STREET, SUITE E MISSOULA, MT 59801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $443 | $0 | $443 | 2.03% |
| ALESSANDRA L GEORGE3 Filed as: ALESSANDRA GEORGE | 2329 ALPINE COURT WHITEFISH, MT 59937 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | $0 | $127 | 0.58% |
| JODY L WALK3 Filed as: JODY L. WALK | 2445 LAKE VISTA COURT, SUITE 115 CASSELBERRY, FL 32707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | $0 | $118 | 0.54% |
| MJ INSURANCE3 Filed as: LISA HALL AND VARIOUS AGENTS | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 0.39% |
| ANDREW G THEIS3 Filed as: ANDREW G. THEIS | 2685 PALMER STREET MISSOULA, MT 59808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | $0 | $72 | 0.33% |
| WOITH INSURANCE AGENCY INC3 Filed as: WOITH INSURANCE AGENCY | 1725 41ST STREET S GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | $0 | $51 | 0.23% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MONTANA | 603 | $3.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $465K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 277 | $153K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 391 | $206K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 391 | $227K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 391 | $206K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MONTANA | 603 | $3.4M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 737 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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.