| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON BENEFIT GROUP, INC.3 | 1750 BLANKENSHIP ROAD, SUITE 125 WEST LINN, OR 97068 | UNITEDHEALTHCARE INSURANCE COMPANY | $81K | $0 | $81K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 4386 MISSOULA, MT 59806 | UNITEDHEALTHCARE INSURANCE COMPANY | $80K | $0 | $80K | 2.12% |
| BSA EMPLOYEE BENEFITS, INC.3 | 8 STANFORD COURT BILLINGS, MT 59102 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 0.62% |
| SOUTHWESTERN MONTANA INSURANCE CTR3 | 14 POLLYWOG LANE BELGRADE, MT 59714 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 0.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, FLOOR 31 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 0.44% |
| ROCKY MOUNTAIN INSURANCE GROUP3 | 626 SOUTH FERGUSON AVENUE, SUITE 3 BOZEMAN, MT 59718 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 0.23% |
| INSZONE INSURANCE SERVICES LLC3 Filed as: INSZONE INSURANCE SERVICES, LLC | 2721 CITRUS ROAD, SUITE A RANCHO CORDOVA, CA 95742 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 0.22% |
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 | 388 | 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) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 911 | $3.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 911 | $3.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 911 | $3.8M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 911 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 911 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.