| 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 | $166K | $0 | $166K | 4.98% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 15030 NORTH HAYDEN ROAD, UNIT C115 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $421 | $11K | 4.92% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 52 SOUTH 1ST STREET, SUITE 310 SAN JOSE, CA 95113 | DEARBORN LIFE INSURANCE COMPANY | $27K | $11K | $38K | 21.51% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 20.00% |
| SHANNON L BRITTENHAM3 Filed as: SHANNON L. BRITTENHAM | 134 WEST BOWMAN DRIVE KALISPELL, MT 59901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 28.80% |
| ASHLEIGH GEORGE3 | 2685 PALMER STREET, SUITE E MISSOULA, MT 59801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.00% |
| JODY L WALK3 Filed as: JODY L. WALK | 2445 LAKE VISTA COURT, SUITE 115 CASSELBERRY, FL 32707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | $0 | $107 | 0.18% |
| MJ INSURANCE3 Filed as: ANDREW G. THEIS AND VARIOUS AGENTS | 2685 PALMER STREET MISSOULA, MT 59808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | $0 | $75 | 0.13% |
| ALESSANDRA L GEORGE3 Filed as: ALESSANDRA L. GEORGE | 2329 ALPINE COURT WHITEFISH, MT 59937 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | $0 | $71 | 0.12% |
| WOITH INSURANCE AGENCY INC3 Filed as: WOITH INSURANCE AGENCY, INC. | 1725 41ST STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.08% |
| CRAIG MICHELSEN3 Filed as: CRAIG S. MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.07% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | UNIVERSITY HEALTH ALLIANCE | $1K | $0 | $1K | 5.32% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $127 | $0 | $127 | 14.92% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MONTANA | 440 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 86 | $215K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 86 | $215K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 325 | $176K |
| Short-term disability(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 325 | $235K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 325 | $176K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MONTANA | 440 | $3.4M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 698 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.