Form 5500 · Employee benefit plan · BILLINGS, MT
ASSOCIATED EMPLOYERS OF MONTANA
The filing calls this plan ASSOCIATED EMPLOYERS GROUP BENEFIT PLAN AND TRUST.
Public Form 5500 records show how ASSOCIATED EMPLOYERS OF MONTANA of BILLINGS, MT, a administrative and support services employer, structures its employee benefits. Its broker of record is ASSOCIATED MANAGEMENT SERVICES. Coverage is written through COMPANION LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-0424947 · plan 501 · plan year 2025, filed Feb 16, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
11 other employer plans in Montana have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering vision, life and stop-loss; the largest, with COMPANION LIFE INSURANCE COMPANY, covers 7,000 people.
The filing declares vision, life, health, dental and disability. Health, dental and disability appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $1,668,139 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $2,434,750, with $95,110 in disclosed broker commissions — about 3.9% of premium.
The most recent policy period ended in March, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life | 7,724 | Apr 1, 2025 | $368,714 | $55,307 |
| VISION SERVICE PLAN | Vision | 2,649 | Jan 1, 2025 | $397,897 | $39,803 |
| COMPANION LIFE INSURANCE COMPANY | Stop-loss | 7,000 | Jan 2, 2025 | $1,668,139 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
How this plan compares
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Renewal calendar
11 other employer plans in Montana are April 1 renewals (policy year ends March).
Their policy years end in March, like this plan’s, so most renew April 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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