Form 5500 · Employee benefit plan · GREAT FALLS, MT
BENEFIS HEALTH SYSTEM, INC.
The filing calls this plan BENEFIS HEALTH SYSTEM GROUP HEALTH PLAN.
BENEFIS HEALTH SYSTEM, INC. of GREAT FALLS, MT is a 2,626-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is CUSTOM BENEFIT PROGRAMS INC. Coverage is written through STANDARD INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 36-3386166 · plan 503 · plan year 2025, filed Jul 23, 2026
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201 other employer plans in Montana have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: other welfare.
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 6 insured contracts covering health, vision, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 2,892 people.
Reported premium across the insured contracts is $2,091,553, with $158,957 in disclosed broker commissions — about 7.6% 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.
CUSTOM BENEFIT PROGRAMS INC is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including STANDARD INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY and LIFE INSURANCE COMPANY OF NORTH AMERICA. STANDARD INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Health | 638 | Jan 1, 2026 | $279,673 | $151,452 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 3,812 | Jan 1, 2026 | $209,672 | $6,238 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 2,517 | Jan 1, 2026 | $8,445 | $1,267 |
| STANDARD INSURANCE COMPANY | Disability | 2,892 | Jan 1, 2026 | $710,585 | $0 |
| STANDARD INSURANCE COMPANY | Life | 2,634 | Jan 1, 2026 | $537,824 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 271 | Jan 1, 2026 | $345,354 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 173145. For the contract year on this filing, the carrier reported $710,585 in premium earned and $402,979 in claims incurred. Dividing one by the other gives 57%.
STANDARD INSURANCE COMPANY, contract 173145. For the contract year on this filing, the carrier reported $345,354 in premium earned and $386,231 in claims incurred. Dividing one by the other gives 112%.
- STANDARD INSURANCE COMPANY, contract 173145 reported $353,356 in retention.
- STANDARD INSURANCE COMPANY, contract 173145 reported $210,857 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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. We publish company names only.
How this plan compares
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Renewal calendar
201 other employer plans in Montana are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 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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