| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS, INC | 2806 S GARFIELD STREET MISSOULA, MT 59801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $90K | — | $90K | 8.10% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE UNDERWRITING PARTNERS | 101 E LANDCASTER AVE STE 301 WAYNE, PA 19085 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $56K | $56K | 5.00% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 SOUTH GARFIELD MISSOULA, MT 58901 | LINCOLN NATIONAL LIFE INSURANCE CO | $33K | — | $33K | 15.00% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 SOUTH GARFIELD MISSOULA, MT 59801 | LINCOLN NATIONAL LIFE INSURANCE | $8K | — | $8K | 15.00% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 SOUTH GARFIELD MISSOULA, MT 59801 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIGIANCE BENEFIT PLAN MGMT, INC. EIN 81-0400550 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $124K |
| RIGHTWAY HEALTHCARE EIN 82-0865206 NONE | Other services; Direct payment from the plan Service code 49 | — | $39K |
| ALLEGIANCE CARE MANAGEMENT, INC. EIN 03-0507057 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $15K |
| ALLEGIANCE COBRA SERVICES EIN 71-0916514 NONE | Direct payment from the plan; Recordkeeping fees Service code 50 | — | $5K |
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 | 649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE CO | 906 | $237K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE | 868 | $54K |
| Stop-loss / reinsurancereinsurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 653 | $1.1M |
| Other | LINCOLN NATIONAL LIFE INSURANCE CO | 906 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 906 | — |
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.