| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTANA HEALTH NETWORK, INC.3 Filed as: MONTANA HEALTH NETWORK INC | 519 PLEASANT STREET MILES CITY, MT 59301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 8.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE SUITE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $4K | $5K | 6.70% |
| MONTANA HEALTH NETWORK, INC.3 Filed as: MONTANA HEALTH NETWORK INC | 519 PLEASANT STREET MILES CITY, MT 59301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE SUITE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $3K | $4K | 6.70% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 3.13% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43603 | VISION SERVICE PLAN | -$6 | — | -$6 | -0.01% |
| MONTANA HEALTH NETWORK, INC.3 Filed as: MONTANA HEALTH NETWORK INC | 519 PLEASANT STREET MILES CITY, MT 59301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE SUITE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $539 | $2K | $2K | 6.70% |
| MONTANA HEALTH NETWORK, INC.3 Filed as: MONTANA HEALTH NETWORK INC | 519 PLEASANT STREET MILES CITY, MT 59301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $820 | — | $820 | 8.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE SUITE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $168 | $494 | $662 | 6.70% |
| MONTANA HEALTH NETWORK, INC.3 Filed as: MONTANA HEALTH NETWORK INC | 519 PLEASANT STREET MILES CITY, MT 59301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $163 | — | $163 | 8.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE SUITE 400 CARMEL, ID 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33 | $98 | $131 | 6.67% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION SERVICE PLAN | 277 | $101K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 345 | $79K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 570 | $60K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 345 | $32K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 293 | $996K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 345 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.