| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED MANAGEMENT SERVICES3 | PO BOX 81087 BILLINGS, MT 59108 | VISION SERVICE PLAN | $38K | — | $38K | 10.01% |
| ASSOCIATED MANAGEMENT SERVICES3 | PO BOX 81087 BILLINGS, MT 59108 | HARTFORD LIFE AND ACCIDENT | $54K | — | $54K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES EIN 81-0391256 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator; Other fees; Copying and duplicating; Legal; Other services Service code 12 | — | $3.5M |
| ASSOCIATED MANAGEMENT SERVICES INC EIN 81-0483176 AFFILIATE COMMON CONTROL | Contract Administrator Service code 13 | — | $2.3M |
| HUB INTERNATIONAL EIN 83-0185720 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $470K |
| LEAVITT GREAT WEST INSURANCE EIN 81-0520992 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $435K |
| FIRST CHOICE HEALTH EIN 91-1272766 PPO | Other services Service code 49 | — | $342K |
| ROCKY MOUNTAIN INSURANCE GROUP EIN 47-4294505 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $256K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 PPO | Other services Service code 49 | — | $181K |
| ACTUARIAL STRATEGIES & TACTICS INC EIN 46-1259130 ACTUARIAL | Actuarial Service code 11 | — | $173K |
| MARSH & MCLENNAN EIN 36-2668272 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $158K |
| LEWISTOWN INSURANCE AGENCY, INC. EIN 82-5260545 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $72K |
| GRANITE PEAK ANALYTICS, LLC EIN 84-3195071 RX CONSULTANT | Consulting (general) Service code 16 | — | $56K |
| H&H INSURANCE LLC EIN 92-2801001 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $52K |
| DEVRIES INSURANCE INSURANCE BROKER | Insurance agents and brokers Service code 22 | 5967 SANDALWOOD DRIVE BILLINGS, MT 59106 | $46K |
| BSA EMPLOYEE BENEFITS INC. EIN 85-4344109 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $40K |
| ALLEN & ASSOCIATES INSURANCE INC. EIN 47-4578199 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $39K |
| EIDE BAILLY LLP EIN 45-0250958 AUDIT | Accounting (including auditing) Service code 10 | — | $29K |
| SEITZ INSURANCE AGENCY EIN 81-0286779 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $21K |
| ALLIANT INSURANCE SERVICES INC. EIN 33-0785439 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| VIRTUS LLC EIN 46-3745376 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| NSQUARED CONSULTING EIN 46-3039572 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| BIG SKY BENEFIT SOLUTIONS EIN 83-1520310 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $8K |
| INNOVATIVE BENEFIT PLANS LLC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 1345 BLUEGRASS DR E BILLINGS, MT 59106 | $7K |
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 | 7,609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,528 | $384K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,731 | $360K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 7,417 | $1.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 7,731 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,731 | — |
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.