| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | BLUE CROSS BLUE SHIELD OF MONTANA | $59K | $0 | $59K | 1.92% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFIT RESOURCES | — | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 5.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE, STE 1200 DALLAS, TX 75201 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 11.51% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFIT RESOURCES | — | TRUSTMARK INSURANCE COMPANY | $974 | $0 | $974 | 4.09% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFIT RESOURCES | — | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 16.42% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA SOLUTIONS INC | 155 N WACKER DR #400 CHICAGO, IL 60606 | AMERICAN FIDELITY ASSURANCE COMPANY | $367 | $0 | $367 | 2.47% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST #400 SANTA ANA, CA 92705 | AMERICAN FIDELITY ASSURANCE COMPANY | $12 | — | $12 | 0.08% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFIT RESOURCES | — | TRUSTMARK INSURANCE COMPANY | $8K | $0 | $8K | 58.46% |
| VERNON LINDSTRAND3 Filed as: VERNON BUCK LINDSTRAND | 3908 16TH AVE S GREAT FALLS, MT 59405 | AFLAC | $1K | $0 | $1K | 15.86% |
| KARI SCHALIN3 | 3301 WELLS FARGO DR GREAT FALLS, MT 59404 | AFLAC | $360 | $0 | $360 | 5.38% |
| BRYANT ARROTTA INSURANCE | 209 SMELTER AVE NE STE 3 GREAT FALLS, MT 59404 | AFLAC | $265 | $3 | $268 | 4.01% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $228 | — | $228 | 3.41% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFIT RESOURCES | — | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 21.09% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA SOLUTIONS INC | 155 N WACKER DR #400 CHICAGO, IL 60606 | AMERICAN FIDELITY ASSURANCE COMPANY | $128 | $0 | $128 | 2.00% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFIT RESOURCES | — | AMERICAN FIDELITY ASSURANCE COMPANY | $529 | $0 | $529 | 32.33% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE BENEFIT RESOURCES | — | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 395.57% |
| WILLIAM HARP3 | PO BOX 1589 GREAT FALLS, MT 59403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 5.67% |
| DAN L OAKLAND3 Filed as: DAN OAKLAND | 1730 ALDER DR GREAT FALLS, MT 59404 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 3.82% |
| WILLIAM HARP3 | PO BOX 1589 GREAT FALLS, MT 59403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 1.30% |
| DAN L OAKLAND3 Filed as: DAN OAKLAND | 1730 ALDER DR GREAT FALLS, MT 59404 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.78% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 480 | $3.1M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 118 | $116K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 523 | $125K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 15 | $6K |
| Long-term disability | STANDARD INSURANCE COMPANY | 81 | $59K |
| Other(6 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 102 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.