| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERE A WAGNER3 | 1190 TRENTON ST BILLINGS, MT 59105 | UNUM LIFE INSURANCE COMPANY | $954 | — | $954 | 0.21% |
| JERE A WAGNER3 | 1190 TRENTON ST BILLINGS, MT 59105 | UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 5.98% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC. | 2806 S GARFIELD ST MISSOULA, MT 59801 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 4.56% |
| 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 | $234K |
| ALLEGIANCE CARE MANAGEMENT EIN 03-0507057 NONE | Contract Administrator Service code 13 | PO BOX 2339 MISSOULA, MT 59806 | $27K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 NONE | Contract Administrator Service code 13 | PO BOX 3018 MISSOULA, MT 59806 | $6K |
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 | 664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 737 | $105K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY | 722 | $564K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 722 | $454K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 722 | $454K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY | 722 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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."
No prospect flags tripped on this filing.