| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | BLUE CROSS BLUE SHIELD OF MONTANA | $10K | $0 | $10K | 0.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $18K | 21.18% |
| KRISTAL HEBERT3 | 15981 ROCKY MOUNTAIN ROAD BELGRADE, MT 59714 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 19.40% |
| HOLLY HALL3 | 2662 EAST UPPER HAYDEN LAKE ROAD HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 12.45% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 9.90% |
| PHILIP FLIKKEMA3 | 6095 CENTURY DRIVE MANHATTAN, MT 59741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.92% |
| SHAWN D SYVERSON3 Filed as: SHAWN SYVERSON | 1283 NORTH 14TH AVENUE, SUITE 202 BOZEMAN, MT 59715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.48% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL ROAD MANHATTAN, MT 59741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | $0 | $90 | 0.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.49% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 339 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MONTANA | 339 | $1.9M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $87K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $87K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 339 | $1.9M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.