| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERREMEDY INSURANCE SERVICES3 Filed as: INTERREMEDY INSURANCE SERVICES, LLC | — | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA. | $73K | — | $73K | 5.00% |
| BRATRUD MIDDLETON INS BROKERS INC3 | — | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | — | $4K | 8.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MONTANA NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 3645 ALICE STREET PO BOX 439 HELENA, MT 59604 | $406K |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Plan Administrator; Direct payment from the plan; Participant communication Service code 10 | — | $143K |
| PROPEL INSURANCE, INC. EIN 91-0830024 NONE | Insurance services; Insurance brokerage commissions and fees; Consulting (general) Service code 16 | — | $68K |
| DAVIDSON INVESTMENT ADVISORS EIN 41-0956607 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $23K |
| FIRST INTERSTATE BANK EIN 81-6023169 NONE | Custodial (securities); Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $23K |
| MCKENZIE, ROTHWELL, BARLOW, & KORPI EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $23K |
| AUDIT SERVICES, INC. EIN 91-0877177 NONE | Accounting (including auditing); Direct payment from the plan; Copying and duplicating; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 10 | — | $22K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $14K |
| THE VIRTUOUS GROUP NONE | Consulting (general); Direct payment from the plan Service code 16 | 1930 VILLAGE CENTER CIRCLE LAS VEGAS, NV 89134 | $10K |
| LAWTON PRINTING NONE | Other services; Copying and duplicating; Direct payment from the plan Service code 36 | 4111 E MISSION AVE SPOKANE, WA 99202 | $8K |
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 | 794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 801 | $395K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO. | 793 | $44K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA. | 885 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE CO. | 793 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.