| 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 | $36K | — | $36K | 4.00% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC | PO BOX 2473 MISSOULA, MT 59806 | SYMETRA LIFE INSURANCE COMPANY | — | $6K | $6K | 2.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE CARE MANAGEMENT EIN 03-0507057 AFFILIATED | Contract Administrator Service code 13 | 2806 S GARFIELD ST MISSOULA, MT 59806 | $15K |
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 AFFILIATED | Contract Administrator Service code 13 | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | $13K |
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 | 731 | 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) | 731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 539 | $907K |
| Dental | HCC LIFE INSURANCE COMPANY | 539 | $907K |
| Vision | HCC LIFE INSURANCE COMPANY | 539 | $907K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 547 | $271K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 547 | $271K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 547 | $271K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 539 | $907K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 547 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.