No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PACIFICSOURCE HEALTH PLANS EIN 93-0245545 NONE | Contract Administrator Service code 13 | — | $823K |
| MONTANA HEALTH NETWORK INC EIN 81-0440728 PLAN SPONSOR | Plan Administrator Service code 14 | — | $241K |
| MONIDA HEALTHCARE NETWORK NONE | Consulting (pension) Service code 17 | 200 S RESERVE ST, SUITE H MISSOULA, MT 59801 | $238K |
| RIVER BEND STRATEGIES INC. EIN 20-0666856 NONE | Insurance agents and brokers Service code 22 | 205 ALBRAY TRAIL, UNIT B BOZEMAN, MT 59718 | $162K |
| LEIF ASSOCIATES, INC. EIN 84-1324324 NONE | Actuarial Service code 11 | — | $60K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | — | $34K |
| HOLLAND & HART EIN 84-0382505 NONE | Legal Service code 29 | — | $12K |
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 | 2,219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | RGA REINSURANCE COMPANY/BENCHMARK INSURANCE COMPANY | 2,314 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,314 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.