| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNION GATEWAY AGENCY3 Filed as: UNION GATEWAY AGENCY INC. | 309 2ND ST. NW SIDNEY, MT 59270 | COMPANION LIFE INSURANCE COMPANY | $9K | — | $9K | 9.03% |
| FRONTIER INSURANCE SOLUTIONS INC.3 | 2321 2ND AVE W WILLINSTON, ND 58801 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 2.19% |
| FRINGE INSURANCE BENEFITS, INC.5 Filed as: FRINGE BENEFIT RESOURCES LLC | PO BOX 2545 GREAT FALLS, MT 59403 | RELIANCE STANDARD LIFE INSURANCE CO. | $8K | — | $8K | 10.00% |
| 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. | $0 | $4K | $4K | 5.00% |
| 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. | $0 | $2K | $2K | 1.88% |
| FRINGE INSURANCE BENEFITS, INC.5 Filed as: FRINGE BENEFIT RESOURCES LLC | PO BOX 2545 GREAT FALLS, MT 59403 | RELIANCE STANDARD LIFE INSURANCE CO. | $2K | — | $2K | 5.00% |
| 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. | — | $2K | $2K | 5.00% |
| 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. | — | $574 | $574 | 1.84% |
| UNION GATEWAY AGENCY3 | 309 2ND STREET NW SIDNEY, MT 592703933 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| BETH MATHIAS-KUHL3 Filed as: BETH MATHIAS - KUHL | 2031 SHATTO DRIVE BELGRADE, MT 59714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $649 | $85 | $734 | 6.65% |
| UNION GATEWAY AGENCY3 Filed as: UNION GATEWAY AGENCY INC | 309 2ND ST NW SIDNEY, MT 59270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 2.65% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | 6413 DUNMOOR DR PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $23 | $236 | 2.14% |
| MAXIMUM BENEFIT SOLUTIONS LLC3 | 139 GRANITE PEAK DRIVE BOZEMAN, MT 59718 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $33 | $157 | 1.42% |
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 | 371 | 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) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 128 | $98K |
| Vision | VISION SERVICE PLAN | 150 | $24K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO. | 287 | $31K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO. | 286 | $91K |
| Other | RELIANCE STANDARD LIFE INSURANCE CO. | 287 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.