| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED MANAGEMENT SERVICES3 | PO BOX 81087 BILLINGS, MT 59108 | HARTFORD LIFE AND ACCIDENT | $57K | $2K | $59K | 15.53% |
| ASSOCIATED MANAGEMENT SERVICES3 | PO BOX 81087 BILLINGS, MT 59108 | VISION SERVICE PLAN | $34K | — | $34K | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES EIN 81-0391256 CLAIMS ADMINISTRATOR | Other services; Claims processing; Copying and duplicating; Contract Administrator; Other fees; Legal Service code 12 | — | $2.6M |
| ASSOCIATED MANAGEMENT SERVICES INC EIN 81-0483176 AFFILIATE COMMON CONTROL | Contract Administrator Service code 13 | — | $1.9M |
| FIRST CHOICE HEALTH EIN 91-1272766 PPO | Other services Service code 49 | — | $198K |
| ACTUARIAL STRATEGIES & TACTICS INC EIN 46-1259130 ACTUARIAL | Actuarial Service code 11 | — | $159K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 PPO | Other services Service code 49 | — | $147K |
| EIDE BAILLY LLP EIN 45-0250958 AUDIT | Accounting (including auditing) Service code 10 | — | $20K |
| HUSCH BLACKWELL EIN 26-1688286 LEGAL | Legal Service code 29 | — | $10K |
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 | 6,888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,307 | $343K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,089 | $382K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 6,876 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 8,089 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,089 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.