| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S. ST 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE CO. | $5K | $1K | $6K | 7.00% |
| FRINGE INSURANCE BENEFITS, INC.5 Filed as: FRINGE BENEFIT RESOURCES LLC | PO BOX 2545 GREAT FALLS, MT 59403 | RELIANCE STANDARD LIFE INSURANCE CO. | $5K | — | $5K | 6.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S. ST 240 SALT LAKE CITY, CO 80202 | RELIANCE STANDARD LIFE INSURANCE CO. | — | $3K | $3K | 3.05% |
| UNION GATEWAY AGENCY3 Filed as: UNION GATEWAY AGENCY INC. | 309 2ND ST. NW SIDNEY, MT 59270 | COMPANION LIFE | $7K | — | $7K | 8.93% |
| FRONTIER INSURANCE SOLUTIONS INC.3 | 2321 2ND AVE W WILLINSTON, ND 58801 | COMPANION LIFE | $2K | — | $2K | 2.31% |
| FRONTIER INSURANCE SOLUTIONS INC.3 | 2321 2ND AVE W WILLINSTON, ND 58801 | COMPANION LIFE | $739 | — | $739 | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S, STE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE CO. | $844 | $455 | $1K | 3.91% |
| FRINGE INSURANCE BENEFITS, INC.5 Filed as: FRINGE BENEFIT RESOURCES LLC | PO BOX 2545 GREAT FALLS, MT 59403 | RELIANCE STANDARD LIFE INSURANCE CO. | $1K | — | $1K | 3.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | DBA INSURANCE POINT AGENCY LLC 181 E 5600 S, STE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE CO. | — | $1K | $1K | 3.41% |
| UNION GATEWAY AGENCY3 | 309 2ND STREET NW SIDNEY, CO 80202 | VISION SERVICE PLAN | $3K | $161 | $3K | 10.61% |
| FRONTIER INSURANCE SOLUTIONS INC.3 Filed as: FRONTIER INSURANCE SOLUTIONS | PO BOX 21440 BILLINGS, MT 59104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $674 | — | $674 | 5.54% |
| BETH MATHIAS-KUHL3 Filed as: BETH MATHIAS - KUHL | 2031 SHATTO DRIVE BELGRADE, MT 59714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $546 | $42 | $588 | 4.83% |
| MAXIMUM BENEFIT SOLUTIONS LLC3 | 139 GRANITE PEAK DRIVE BOZEMAN, ME 59718 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $75 | $252 | 2.07% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | 6413 DUNMOOR DR PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | $12 | $249 | 2.04% |
| UNION GATEWAY AGENCY3 Filed as: UNION GATEWAY AGENCY INC | 309 2ND ST NW SIDNEY, MT 59270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 1.74% |
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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE | 118 | $80K |
| Vision | VISION SERVICE PLAN | 131 | $27K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO. | 286 | $33K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO. | 274 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.