| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED MANAGEMENT SERVICES3 | PO BOX 81087 BILLINGS, MT 59108 | VISION SERVICE PLAN | $31K | — | $31K | 9.94% |
| ASSOCIATED MANAGEMENT SERVICES3 | PO BOX 81087 BILLINGS, MT 59108 | HARTFORD LIFE AND ACCIDENT | $46K | — | $46K | 17.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES EIN 81-0391256 CLAIMS ADMINISTRATOR | Copying and duplicating; Other fees; Legal; Claims processing; Contract Administrator; Other services Service code 12 | — | $2.4M |
| 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 | — | $223K |
| ACTUARIAL STRATEGIES & TACTICS INC EIN 46-1259130 ACTUARIAL | Actuarial Service code 11 | — | $160K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 PPO | Other services Service code 49 | — | $148K |
| GRANITE PEAK ANALYTICS, LLC RX CONSULTANT | Consulting (general) Service code 16 | 920 SANDCHERRY ST. BILLINGS, MT 59106 | $36K |
| EIDE BAILLY LLP EIN 45-0250958 AUDIT | Accounting (including auditing) Service code 10 | — | $25K |
| WINDSOR STRATEGY PARTNERS ACTUARIAL | Actuarial Service code 11 | 777 ALEXANDER ROAD, SUITE 201 PRINCETON, NJ 08540 | $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 | 6,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,091 | $314K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,292 | $258K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 6,887 | $1.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 7,292 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,292 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.