| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS | 2806 S GARFIELD ST. MISSOULA, MT 59806 | HCC LIFE INSURANCE COMPANY | $104K | — | $104K | 11.78% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS | 2806 S GARFIELD ST. MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 13.91% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS | 2806 S GARFIELD ST. MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 13.90% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS | 2806 S GARFIELD ST. MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS | 2806 S GARFIELD ST. MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $641 | — | $641 | 15.01% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS | 2806 S GARFIELD ST. MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $203 | — | $203 | 13.92% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS | 2806 S GARFIELD ST. MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15 | — | $15 | 14.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 NONE | Claims processing; Contract Administrator Service code 12 | — | $145K |
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 | 616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 941 | $198K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 653 | $68K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 553 | $885K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 941 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.