| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED MANAGEMENT SERVICES3 | PO BOX 81087 BILLINGS, MT 59108 | HARTFORD LIFE AND ACCIDENT | $45K | $0 | $45K | 15.00% |
| ASSOCIATED MANAGEMENT SERVICES3 | PO BOX 81087 BILLINGS, MT 59108 | VISION SERVICE PLAN | $28K | $0 | $28K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES EIN 81-0391256 CLAIMS ADMINISTRATOR | Legal; Other fees; Other services; Contract Administrator; Copying and duplicating; Claims processing Service code 12 | — | $2.6M |
| ASSOCIATED MANAGEMENT SERVICES INC EIN 81-0483176 AFFILIATE COMMON CONTROL | Contract Administrator Service code 13 | — | $1.8M |
| FIRST CHOICE HEALTH EIN 91-1272766 PPO | Other services Service code 49 | — | $190K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 PPO | Other services Service code 49 | — | $150K |
| ACTUARIAL STRATEGIES & TACTICS INC EIN 46-1259130 ACTUARIAL | Actuarial Service code 11 | — | $80K |
| EIDE BAILLY LLP EIN 45-0250958 AUDIT | Accounting (including auditing) Service code 10 | — | $20K |
| CHRISTENSEN FULTON & FILZ EIN 43-1991556 LEGAL | Legal Service code 29 | — | $9K |
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 | 7,499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,958 | $279K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,823 | $297K |
| Stop-loss / reinsurancereinsurance | BENCHMARK INSURANCE COMPANY | 12,319 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 7,823 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,319 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.