| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT3 | 2806 S GARFIELD STREET, BOX 3018 MISSOULA, MT 59806 | COMPANION LIFE INSURANCE COMPANY | — | $298K | $298K | 38.98% |
| STARPOINT3 Filed as: STARPOINT, LLC | P.O. BOX 2339 MISSOULA, MT 59806 | COMPANION LIFE INSURANCE COMPANY | — | $41K | $41K | 5.40% |
| ALLEGIANCE BENEFIT PLAN MANAGEMENT3 Filed as: ALLEGIANCE COBRA SERVICES | 2806 S GARFIELD STREET, BOX 2097 MISSOULA, MT 59806 | COMPANION LIFE INSURANCE COMPANY | — | $8K | $8K | 1.02% |
| VHA MID-AMERICAN INSURANCE SERVICES3 Filed as: VHA MID-AMERICA INSURANCES SERVICES | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, KS 66213 | AETNA LIFE INSURANCE CO | $36K | — | $36K | 5.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPANION LIFE INSURANCE COMPANY EIN 57-0523959 NONE | Insurance agents and brokers Service code 22 | P.O. BOX 100102 COLUMBIA, SC 292023102 | $347K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 NONE | Insurance agents and brokers Service code 22 | 1619 B WATERFRONT PARKWAY WICHITA, KS 67278 | $40K |
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 | 1,771 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 1,219 | $764K |
| Dental | DELTA DENTAL OF KANSAS, INC | 693 | $0 |
| Life insurance | AETNA LIFE INSURANCE CO | 1,770 | $613K |
| Short-term disability | AETNA LIFE INSURANCE CO | 1,770 | $613K |
| Long-term disability | AETNA LIFE INSURANCE CO | 1,770 | $613K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 1,219 | $764K |
| Other | AETNA LIFE INSURANCE CO | 1,770 | $613K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,770 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.