| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS, INC. | 2806 SOUTH GARFIELD STREET SUITE 101 MISSOULA, MT 59806 | HCC LIFE INSURANCE COMPANY | $18K | — | $18K | 2.70% |
| ALLEGIANCE BENEFIT PLAN MANAGEMENT3 | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 0.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA CORPORATION PPO EIN 59-1031071 NONE | Contract Administrator Service code 13 | 3700 S RUSSELL, STE 108 MISSOULA, MT 59801 | $0 |
| MONIDA HEALTH CARE NETWORK EIN 81-0511496 NONE | Contract Administrator Service code 13 | 3700 S RUSSELL, STE 108 MISSOULA, MT 59801 | $0 |
| MULTIPLAN INC. EIN 13-3068979 NONE | Contract Administrator Service code 13 | 115 FITH AVENUE NEW YORK, NY 10003 | $0 |
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 | 637 | 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) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HCC LIFE INSURANCE COMPANY | 532 | $682K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.