Form 5500 · Employee benefit plan · BOZEMAN, MT
BOZEMAN DEACONESS HEALTH SERVICES
The filing calls this plan BOZEMAN DEACONESS HEALTH SERVICES COMPREHENSIVE HEALTH AND WELFARE PLAN.
BOZEMAN DEACONESS HEALTH SERVICES of BOZEMAN, MT is a 1,626-participant health care and social assistance employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH & BENEFITS LLC - SLC. Coverage is written through BLUECROSS BLUESHIELD OF MONTANA and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-0232121 · plan 501 · plan year 2024, filed Oct 6, 2025
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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
Self-funded as reported
The plan's financial statement reports paying insurance carriers far less than the premium on its insurance contracts, so most benefits were paid from plan money.
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.
Benefits declared on this filing
Also declared: death benefits, 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 5 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with BLUECROSS BLUESHIELD OF MONTANA, covers 3,511 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $31,572,901, with $144,544 in disclosed broker commissions — about 0.5% 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.
MERCER HEALTH & BENEFITS LLC - SLC is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 405 | Jan 1, 2025 | $252,988 | $50,598 |
| DELTA DENTAL INSURANCE COMPANY | Dental | 2,967 | Jan 1, 2025 | $944,969 | $47,244 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 2,112 | Jan 1, 2025 | $688,737 | $42,364 |
| VISION SERVICE PLAN | Vision | 1,270 | Jan 1, 2025 | $207,491 | $4,338 |
| BLUECROSS BLUESHIELD OF MONTANA | Health, Stop-loss | 3,511 | Jan 1, 2025 | $29,478,716 | $0 |
Premium and claims on this contract
BLUECROSS BLUESHIELD OF MONTANA, contract X6A262. For the contract year on this filing, the carrier reported $29,478,716 in premium earned and $30,719,375 in claims incurred. Dividing one by the other gives 104%.
- BLUECROSS BLUESHIELD OF MONTANA, contract X6A262 reported $847,294 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. 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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