| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE R BREMER3 | 901 MARQUETTE AVE #2600 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| MICHAEL EDWARD MAIERLE3 | 1907 W DICKERSON #1 BOZEMAN, MT 59718 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.50% |
| DAVID J MEANS3 | 901 MARQUETTE AVE #2600 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| MASS MUTUAL FINANCIAL GROUP3 | 1295 STATE ST MIP W066 SPRINGFIELD, MA 011110001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $535 | $535 | 1.00% |
| BRUCE R BREMER3 | 901 MARQUETTE AVE #2600 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MICHAEL EDWARD MAIERLE3 | 1907 W DICKERSON #1 BOZEMAN, MT 59715 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF MONTANA EIN 81-0216685 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $423K |
| IT STARTS WITH ME HEALTH EIN 20-1378738 NONE | Contract Administrator Service code 13 | — | $32K |
| VISION SERVICE PLAN INSURANCE COMPA EIN 06-1227840 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $29K |
| TURNER CONSULTING EIN 26-2178231 NONE | Consulting fees; Direct payment from the plan; Consulting (general) Service code 16 | — | $24K |
| BANCSERVE, INC. EIN 81-0434448 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $16K |
| ANDERSON ZURMUEHLEN & CO., P.C EIN 81-0385940 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $11K |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 509 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MONTANA | 509 | $1.9M |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 187 | $29K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $54K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 509 | $1.9M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.