| 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 | $20K | $0 | $20K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 4386 MISSOULA, MT 59806 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 800 COFFEEN AVENUE SHERIDAN, WY 82801 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 0.78% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SVCS | 2345 KING AVENUE WEST, SUITE E BILLINGS, MT 59102 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.59% |
| NORTHERN LIGHTS INS & OTHER AGENTS3 | 2818 NORTH SULLIVAN ROAD SUITE 100-1140 BILLINGS, MT 59102 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.48% |
| BIG SKY BENEFIT SOLUTIONS LLC3 Filed as: BIG SKY BENEFIT SOLUTIONS, LLC | PO BOX 3743 BOZEMAN, MT 59772 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, FLOOR 31 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.14% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $972K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $972K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $972K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $972K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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 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.