| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | — | BLUE CROSS BLUE SHIELD OF MONTANA | $28K | — | $28K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | — | BLUE CROSS BLUE SHIELD OF MONTANA | $8K | — | $8K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | — | DELTA DENTAL INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| STEVE MARIANI3 | P.O.BOX 1388 HAVRE, MT 595011388 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.70% |
| MATTHEW HARDY3 | 3289 GABEL RD BILLINGS, MT 591027371 | UNITED HERITAGE LIFE INSURANCE COMPANY | $529 | — | $529 | 3.30% |
No Schedule C service providers reported on this filing.
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 233 | $1.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 281 | $97K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 130 | $16K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 200 | $0 |
| Other | NEW YORK LIFE INSURANCE COMPANY | 200 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.