| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACQUELYN M GOMES4 | 795 INSULATOR AVE. HELENA, MT 59602 | BLUE CROSS BLUE SHIELD OF MONTANA | — | $10K | $10K | 0.20% |
| MONTANA AUTOMOBILE DEALERS ASSOC4 | 501 N. SANDERS ST. HELENA, MT 59601 | UNUM LIFE INSURANCE CO OF AMERICA | $5K | — | $5K | 15.00% |
| MONTANA AUTOMOBILE DEALERS ASSOC4 | 501 N. SANDERS ST. HELENA, MT 59601 | UNUM LIFE INSURANCE CO OF AMERICA | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JACQ CREEK CONSULTING GROUP CONSULTING | Insurance services; Consulting (general) Service code 16 | 795 INSULATOR AVE. HELENA, MT 59602 | $80K |
| MTADA MANAGEMENT FEES | Direct payment from the plan Service code 50 | 501 N SANDERS HELENA, MT 59601 | $68K |
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $43K |
| KCOE ISOM, LLP EIN 94-2222122 AUDITOR | Accounting (including auditing) Service code 10 | — | $35K |
| IT STARTS WITH ME EIN 20-1378738 WELLNESS SCREENINGS | Direct payment from the plan Service code 50 | — | $29K |
| SMITH LAW FIRM EIN 81-0481142 LEGAL | Legal Service code 29 | — | $26K |
| GRANITE PEAK ANALYTICS EIN 84-3195071 CONSULTING | Consulting (general) Service code 16 | — | $20K |
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 | 801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 798 | $5.0M |
| Life insurance | UNUM LIFE INSURANCE CO OF AMERICA | 514 | $35K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 798 | $5.0M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MONTANA | 798 | $5.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 514 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.