| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE, SUITE 800 SPOKANE, WA 99201 | HCC LIFE INSURANCE COMPANY | $81K | $5K | $86K | 10.31% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1125 SANCTUARY PKWAY SUITE 300 ALPHARETTA, GA 30009 | HCC LIFE INSURANCE COMPANY | — | $20K | $20K | 2.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MONTANA EIN 81-0216685 PLAN ADMINISTRATORS | Contract Administrator Service code 13 | PO BOX 4309 HELENA, MT 59604 | $525K |
| HPMPT SPONSOR ORG INC. EIN 45-2078503 PLAN SPONSOR | Other services Service code 49 | PO BOX 153 HELENA, MT 59624 | $293K |
| CROWLEY FLECK PLLP EIN 81-0122795 ATTORNEY | Legal Service code 29 | 490 N 31ST ST STE 500 BILLINGS, MT 591032529 | $97K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 CONSULTANT | Consulting fees Service code 70 | 818 WEST RIVERSIDE SUITE 800 SPOKANE, WA 99201 | $61K |
| MEDIMPACT ADMINISTRATION FEES | Claims processing; Contract Administrator Service code 12 | 10181 SCRIPPS GATEWAY COURT SAN DIEGO, CA 92131 | $31K |
| J. BRUCE ROBERTSON INDEPENDENT FIDUCIARY | Trustee (individual) Service code 20 | 935 HIGHLAND BLVD STE 216 BOZEMAN, MT 59715 | $24K |
| AMATICS CPA GROUP EIN 46-3057681 FINANCIAL STATEMENT AUDIT | Accounting (including auditing) Service code 10 | 220 WEST LAMME SUITE 3A BOZEMAN, MT 59715 | $11K |
| PAYNEWEST INSURANCE EIN 81-0479558 LIABILITY POLICY | Insurance agents and brokers Service code 22 | 3289 GABEL RD BILLINGS, MT 59102 | $10K |
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 | 1,260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,236 | $832K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,236 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.