| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHYLA ROSE SYVERSON3 | 1660 NEW HOLLAND DRIVE BOZEMAN, MT 59718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49K | — | $49K | 27.41% |
| HOLLY A MARITA3 Filed as: HOLLY KRISTINE HALL | 2662 EAST UPPER HAYDEN LAKE ROAD HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 10.53% |
| CALLI JACKSON3 | 1283 NORTH 14TH AVENUE SUITE 103 BOZEMAN, MT 59715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 6.85% |
| SHAWN D SYVERSON3 | 1283 NORTH 14TH AVENUE SUITE 202 BOZEMAN, MT 59715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 4.16% |
| BIG SKY BENEFIT SOLUTIONS LLC3 | 1283 NORTH 14TH AVENUE SUITE 103 BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $312 | $8K | 10.41% |
| BIG SKY BENEFIT SOLUTIONS LLC3 | 1283 NORTH 14TH AVENUE SUITE 103 BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $341 | $7K | 15.81% |
| BIG SKY BENEFIT SOLUTIONS LLC3 | 1283 NORTH 14TH AVENUE SUITE 103 BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $160 | $2K | 10.88% |
| BIG SKY BENEFIT SOLUTIONS LLC3 | 1283 NORTH 14TH AVENUE SUITE 103 BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $146 | $3K | 15.89% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $76K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $59K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 126 | $180K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 162 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.