| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $233K | $0 | $233K | 7.35% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | SUN LIFE ASSURANCE COMPANY OF CANADA | $134K | $0 | $134K | 4.23% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $44K | $0 | $44K | 3.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFICSOURCE HEALTH PLANS EIN 93-0245545 STOP LOSS | Contract Administrator; Insurance agents and brokers Service code 13 | — | $1.5M |
| CROWLEY FLECK LEGAL | Legal Service code 29 | 490 NORTH 31ST STREET SUITE 500 BILLINGS, MT 59101 | $230K |
| MEDIMPACT HEALTHCARE SYSTEMS INC. EIN 33-0567651 RX CLAIMS PROCESSING | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $208K |
| LOCKTON COMPANIES LLC CONSULTING AND BROKERAGE | Insurance brokerage commissions and fees; Insurance agents and brokers; Consulting (general) Service code 16 | 8110 E UNION AVENUE SUITE 100 DENVER, CO 80237 | $151K |
| BUCKLEY MAXWELL DIXON DOLEZAL LEGAL | Legal Service code 29 | 2419 WEST MAIN STREET SUITE 3 BOZEMAN, MT 59718 | $117K |
| US BANK EIN 81-6082855 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $35K |
| FORVIS LLP AUDIT | Accounting (including auditing) Service code 10 | 1801 CALIFORNIA STREET SUITE 2900 DENVER, CO 80202 | $30K |
| ROCKY MOUNTAIN RESERVE EIN 26-4747121 NONE | Other fees Service code 99 | — | $0 |
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 | 3,016 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,802 | $4.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,802 | $3.2M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,802 | $4.4M |
| Stop-loss / reinsurancereinsurance | MONTANA HEALTHCARE INDEMNITY, LLC | 6,333 | $419K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,802 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,333 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.