| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERE A WAGNER | PO BOX 31597 BILLINGS, MT 59107 | UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 5.81% |
| JERE A WAGNER | PO BOX 31597 BILLINGS, MT 59107 | UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| INTERMOUNTAIN INSURANCE SERVICES Filed as: INTERMOUNTAIN UNDERWRITERS INC. | 2806 S GARFIELD ST MISSOULA, MT 59801 | UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 25.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 NONE | Contract Administrator; Claims processing Service code 12 | PO BOX 3018 MISSOULA, MT 59806 | $112K |
| STARPOINT, LLC EIN 03-0507057 NONE | Contract Administrator Service code 13 | PO BOX 2339 MISSOULA, MT 59806 | $15K |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 375 | $53K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY | 396 | $233K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 396 | $178K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 396 | $178K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY | 396 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.