| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY C RICHARDS3 | 2310 BROADWATER AVENUE SUITE 3 BILLINGS, MT 59102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GARY C RICHARDS3 | 2310 BROADWATER AVENUE SUITE 3 BILLINGS, MT 59102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MAXIMUM BENEFIT SOLUTIONS LLC3 | 2001 ROSEN DRIVE FORT COLLINS, CO 80528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $28 | $2K | 8.52% |
| GARY C RICHARDS3 | 2310 BROADWATER AVENUE SUITE 3 BILLINGS, MT 59102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.17% |
| FOREVER EMPLOYER LTD3 | 2001 ROSEN DRIVE FORT COLLINS, CO 80528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | — | $393 | 1.97% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | 6413 DUNMOOR DRIVE PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $29 | $362 | 1.81% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $2 | $38 | 0.19% |
| DONALD H MATSON3 | 8 ROSEWOOD DRIVE AUBURN, NY 13021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.05% |
| GARY C RICHARDS3 Filed as: GARY RICHARDS/GARY RICHARDS INS | 2310 BROADWATER AVENUE SUITE 3 BILLINGS, MT 59102 | VISION SERVICE PLAN | $3K | — | $3K | 13.00% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BLVD STE 200 COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| GARY C RICHARDS3 | 2310 BROADWATER AVENUE SUITE 3 BILLINGS, MT 59102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $300 | — | $300 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH | 825 MARYVILLE CENTRE DRIVE SUITE 200 CHESTERFIELD, MO 63017 | FEDERAL INSURANCE COMPANY | $225 | — | $225 | 15.00% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 82 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $38K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.