Filings through .
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.
Schedule A insurance contracts: who carries the risk, for which benefits, and how many people they cover.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Marsh & McLennan Agency LLC HealthDental | HealthDental | |
Broker: Marsh & McLennan Agency LLC LifeSTDLTD | LifeSTDLTD | |
Broker: Marsh & McLennan Agency LLC Vision | Vision |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 3 contracts with Pro. Free for 7 days, then $49 a month.
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 270 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MONTANA | 270 | $1.7M |
| Vision | VISION SERVICE PLAN | 19 | $26K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 241 | $141K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 241 | $141K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 241 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | - |
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."
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Blue Cross Blue Shield of Montana | |
Carrier: Symetra Life Insurance Company | |
Carrier: Symetra Life Insurance Company | |
Carrier: Vision Service Plan |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
No Schedule C service providers reported on this filing.
How the health and benefits plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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