| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS. SOLUTIONS LLC | 5540 GRANITE PARKWAY, SUITE 100 PLANO, TX 75024 | BLUECROSS BLUESHIELD OF MONTANA | $402 | $5 | $407 | 0.02% |
| MANN MORTGAGE LLC3 | 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 | BLUECROSS BLUESHIELD OF MONTANA | $0 | $15 | $15 | 0.00% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS. SOLUTIONS LLC | 15030 NORTH HAYDEN ROAD, UNIT C115 SCOTTSDALE, AZ 85260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 7.77% |
| CAPITAL FINANCIAL GROUP INC3 Filed as: CAPITAL FINANCIAL | 14614 NORTH KIERLAND BOULEVARD SUITE N230 SCOTTSDALE, AZ 85254 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 3.61% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS. SOLUTIONS LLC | 5540 GRANITE PARKWAY, SUITE 100 PLANO, TX 75024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 12.83% |
| CAPITAL FINANCIAL GROUP INC3 Filed as: CAPITAL FINANCIAL | 14614 N KIERLAND BOULEVARD, SUITE N SCOTTSDALE, AZ 85254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.03% |
| SHANNON L BRITTENHAM3 Filed as: SHANNON BRITTENHAM | 134 WEST BOWMAN DR KALISPELL, ID 59901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 24.21% |
| ASHLEIGH GEORGE3 | 400 EXPRESSWAY SUITE D MISSOULA, ID 59808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.46% |
| CRAIG MICHELSEN3 | 1228 25TH AVENUE SW GREAT FALLS, ID 59404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.15% |
| JODIE WALK3 | 2445 LAKE VISTA COURT GREAT FALLS, ID 59404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.08% |
| ANDREW THEIS3 | 101 JUSTUS LANE MISSOULA, ID 59801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| WOITH INSURANCE AGENCY INC3 Filed as: WOITH INSURANCE AGENCY | PO BOX 6328 GREAT FALLS, MT 59406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.03% |
| MJ INSURANCE3 Filed as: LISA HALL AND VARIOUS AGENTS | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
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 | 13 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 76 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 29 | $328K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 29 | $328K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 29 | $328K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $371K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 29 | $328K |
| Prescription drug | BLUECROSS BLUESHIELD OF MONTANA | 76 | $2.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.