| 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 | $99K | — | $99K | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP,LLC | PO BOX 675236 DETROIT, MI 482675236 | HCC LIFE INSURANCE | $49K | — | $49K | 4.94% |
| 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 | $624K |
| HPMPT SPONSOR ORG INC. EIN 45-2078503 PLAN SPONSOR | Other services Service code 49 | PO BOX 9406 MISSOULA, MT 59807 | $392K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 CONSULTANT | Consulting fees Service code 70 | 818 WEST RIVERSIDE SUITE 800 SPOKANE, WA 99201 | $74K |
| LARSEN LAW, PLLC EIN 27-3524884 ATTORNEY | Legal Service code 29 | 24551 BENHAVEN LANE MIDDLETON, ID 83644 | $61K |
| EIDE BAILLY LLP EIN 45-0250958 AUDITORS | Accounting (including auditing) Service code 10 | 4310 17TH AVE S PO BOX 2545 FARGO, ND 581082545 | $32K |
| J. BRUCE ROBERTSON INDEPENDENT FIDUCIARY | Trustee (individual) Service code 20 | 935 HIGHLAND BLVD STE 216 BOZEMAN, MT 59715 | $18K |
| US BANK EIN 31-0841368 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 1555 N. RIVERCENTER DR MILWAUKEE, WI 53212 | $12K |
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 | 1,297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,299 | $28K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 1,373 | $985K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,373 | — |
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.