See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 5 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 6 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER HEALTH & BENEFITS NONE | Consulting (general) Service code 16 | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | $88K |
| THE PARTNERS GROUP NONE | Consulting (general) Service code 16 | 11850 SW 67TH AVE, STE 100 PORTLAND, OR 97223 | $17K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | 401 NORTH 31ST STREET, SUITE 1120 BILLINGS, MT 59103 | $17K |
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 | 1,616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 3,320 | $23.7M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,923 | $892K |
| Vision | VISION SERVICE PLAN | 1,194 | $190K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,948 | $855K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,948 | $614K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 3,320 | $23.7M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MONTANA | 3,320 | $23.7M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,948 | $855K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,320 | — |
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 plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.