| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 852556343 | HM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MONTANA EIN 81-0216685 NONE | Claims processing Service code 12 | — | $632K |
| BLUE CROSS MEDICARE ADVANTAGE NONE | Other insurance fees and expenses Service code 73 | PO BOX 258822 OKLAHOMA CITY, OK 731258822 | $593K |
| JCCS BENEFIT CONSULTING GROUP EIN 81-0348775 PARTY-IN-INTEREST | Plan Administrator Service code 14 | — | $140K |
| RENALOGIC EIN 22-3857341 NONE | Other services Service code 49 | — | $64K |
| MEDIMPACT EIN 33-0567651 NONE | Claims processing Service code 12 | — | $58K |
| ALLIANT INSURANCE SERVICES, INC. PARTY-IN-INTEREST | Consulting (general) Service code 16 | PO BOX 8377 PASADENA, CA 91109 | $58K |
| JUNKERMIER, CLARK, CAMPANELLA EIN 81-0348775 PARTY-IN-INTEREST | Accounting (including auditing) Service code 10 | — | $55K |
| DELTA DENTAL INSURANCE COMPANY NONE | Claims processing Service code 12 | 1130 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | $54K |
| VEZA, LLC EIN 82-1120693 NONE | Other services Service code 49 | — | $44K |
| AMERICAN HEALTH HOLDING NONE | Other services Service code 49 | PO BOX 360142 PITTSBURGH, PA 15250 | $42K |
| LEAVITT GREAT WEST EIN 57-1195029 PARTY-IN-INTEREST | Consulting (general) Service code 16 | — | $29K |
| HEALTHJOY NONE | Other services Service code 49 | PO BOX 776932 CHICAGO, IL 60677 | $23K |
| ANCHOR BENEFIT CONSULTING NONE | Other services Service code 49 | PO BOX 945260 MAITLAND, FL 32794 | $17K |
| IT STARTS WITH ME EIN 20-1378738 NONE | Other services Service code 49 | 29 FORT MISSOULA RD MISSOULA, MT 59804 | $15K |
| MILODRAGOVICH, DALE, & STEINBRENNER EIN 81-0368535 PARTY-IN-INTEREST | Legal Service code 29 | PO BOX 4947 MISSOULA, MT 59806 | $14K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing Service code 12 | — | $14K |
| HILTON GARDEN INN NONE | Other services Service code 49 | 2465 GRANT ROAD BILLINGS, MT 59102 | $12K |
| NAVIHEALTH, INC NONE | Other services Service code 49 | PO BOX 744204 ATLANTA, GA 30374 | $11K |
| DOUGLAS WILSON & COMPANY, P.C. EIN 81-0446334 NONE | Accounting (including auditing) Service code 10 | — | $11K |
| HILDI, INC. NONE | Actuarial Service code 11 | 14852 SCENIC HTS RD, #205 EDEN PRAIRIE, MN 55344 | $5K |
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 | 1,111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 3,189 | $12.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,231 | $744K |
| Vision | VISION SERVICE PLAN | 1,211 | $111K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,166 | $874K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,189 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.