| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERE A WAGNER | 1190 TRENTON ST BILLINGS, MT 59105 | UNUM LIFE INSURANCE COMPANY | $13K | — | $13K | 4.23% |
| JERE A WAGNER | 1190 TRENTON ST BILLINGS, MT 59105 | UNUM LIFE INSURANCE COMPANY | $13K | — | $13K | 14.98% |
| INTERMOUNTAIN INSURANCE SERVICES Filed as: INTERMOUNTAIN UNDERWRITERS INC. | 2806 S GARFIELD ST MISSOULA, MT 59801 | UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 13.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 NONE | Claims processing; Contract Administrator Service code 12 | PO BOX 3018 MISSOULA, MT 59806 | $172K |
| ALLEGIANCE CARE MANAGEMENT, INC. EIN 03-0507057 NONE | Contract Administrator Service code 13 | PO BOX 2339 MISSOULA, MT 59806 | $18K |
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 | 544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 550 | $74K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY | 543 | $387K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 543 | $299K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 543 | $299K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY | 543 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.