| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | BLUE CROSS BLUE SHIELD OF MONTANA | $98K | $4K | $102K | 5.22% |
| XTANT MEDICAL HOLDINGS, INC.3 | 664 CRUISER LANE BELGRADE, MT 597149719 | BLUE CROSS BLUE SHIELD OF MONTANA | — | $2 | $2 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 17.00% |
| COMPYSCH5 | 455 N CITYFRONT PLAZA DR, 13TH FL CHICAGO, IL 60611 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.91% |
| IMG5 Filed as: IMG 296 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $42 | $42 | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | DELTA DENTAL INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | VISION SERVICE PLAN | $1K | — | $1K | 4.78% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 322 | $1.9M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 329 | $116K |
| Vision | VISION SERVICE PLAN | 167 | $28K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 248 | $165K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 248 | $165K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 248 | $165K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 322 | $1.9M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 248 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
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.