| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | BLUECROSS BLUESHIELD OF MONTANA | $14K | $4K | $18K | 0.81% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER ROAD, SUITE 300 HOUSTON, TX 77024 | DEARBORN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 17.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 9.71% |
| KRISTAL HEBERT3 Filed as: KRISTAL T. HEBERT | 15981 ROCKY MOUNTAIN ROAD BELGRADE, MT 59714 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.20% |
| HOLLY KRISTINE HALL3 | 2662 EAST UPPER HAYDEN LAKE ROAD HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.40% |
| SHAWN D SYVERSON3 Filed as: SHAWN D. SYVERSON | 219 NORTH 19TH AVENUE BOZEMAN, MT 59718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $987 | $0 | $987 | 1.48% |
| FLIKKEMA INSURANCE INC3 Filed as: FLIKKEMA INSURANCE, INC. | 7175 CHURCH HILL ROAD MANHATTAN, MT 59741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $907 | $0 | $907 | 1.36% |
| PHILIP FLIKKEMA3 Filed as: PHILIP GLEN FLIKKEMA | 6095 CENTURY DRIVE MANHATTAN, MT 59741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $323 | $0 | $323 | 0.48% |
| PHILIP FLIKKEMA3 Filed as: PHILIP J. FLIKKEMA | 7175 CHURCHILL ROAD MANHATTAN, MT 59741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | $0 | $88 | 0.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 370 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF MONTANA | 370 | $2.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $26K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 387 | $99K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 387 | $99K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 387 | $99K |
| Prescription drug | BLUECROSS BLUESHIELD OF MONTANA | 370 | $2.2M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF MONTANA | 387 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.