| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT FELD BROKERAGE SERVICES3 | PO BOX 1117 BILLINGS, MT 59103 | QBE A&H INSURANCE | $0 | — | $0 | 0.00% |
| ROBERT FELD BROKERAGE SERVICES3 | PO BOX 1117 BILLINGS, MT 59103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.49% |
| ROBERT FELD BROKERAGE SERVICES3 | PO BOX 1117 BILLINGS, MT 59103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROBERT FELD BROKERAGE SERVICES EIN 55-0834829 BROKER | Insurance agents and brokers Service code 22 | PO BOX 1117 BILLINGS, MT 59103 | $29K |
| REGIONAL CARE, INC EIN 47-0760050 TPA | Claims processing Service code 12 | 905 WEST 27TH STREET SCOTTSBLUFF, NE 69361 | $19K |
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 | 96 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $117K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $117K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $80K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $80K |
| Stop-loss / reinsurancereinsurance | QBE A&H INSURANCE | 120 | $258K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 97 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.