Form 5500 · Employee benefit plan · FAIRFIELD, MT
3 RIVERS TELEPHONE COOPERATIVE, INC.
3 RIVERS TELEPHONE COOPERATIVE, INC. of FAIRFIELD, MT insures life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is UNICO GROUP, INC.. Coverage is written through TOKIO MARINE HCC A&H GROUP and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-0243702 · plan 503 · as of Aug 2026
Plan brief
Schedule A lists 8 insured contracts covering life, disability and stop-loss; the largest, with TOKIO MARINE HCC A&H GROUP, covers 175 people.
The only insured piece of the health benefit is stop-loss coverage — the plan itself is self-funded, so premium and commission here reflect the stop-loss contract, not medical premium.
Reported premium across the insured contracts is $845,322, with $18,335 in disclosed broker commissions — about 2.2% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
UNICO GROUP, INC. is the broker of record on 2 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY | Life, Disability | 375 | December | $174,889 | $10,166 |
| PRINCIPAL LIFE INSURANCE COMPANY | Life | 104 | December | $21,309 | $3,201 |
| ASSURITY LIFE INSURANCE COMPANY | — | 53 | December | $18,265 | $1,966 |
| GENWORTH LIFE INSURANCE COMPANY | — | 35 | December | $8,385 | $1,965 |
| GENWORTH LIFE INSURANCE COMPANY | — | 108 | December | $42,544 | $1,037 |
| RELIANT BEHAVORIAL HEALTH | — | 250 | December | $3,567 | $0 |
| HARTFORD FIRE INSURANCE COMPANY | — | 164 | January | — | $0 |
| TOKIO MARINE HCC A&H GROUP | Stop-loss | 175 | December | $576,363 | $0 |
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