Form 5500 · Employee benefit plan · KALISPELL, MT
LHC INCORPORATED
The filing calls this plan LHC INCORPORATED EMPLOYEE BENEFIT PLAN.
LHC INCORPORATED of KALISPELL, MT files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is CAPITAL FINANCIAL LLC. Coverage is written through BLUECROSS BLUESHIELD OF MONTANA and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-0303245 · plan 502 · plan year 2025, filed Jul 9, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
The filing carries code 4S: this plan is filing again after previously being exempt.
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.
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 2 insured contracts covering health, dental and vision; the largest, with BLUECROSS BLUESHIELD OF MONTANA, covers 306 people.
The filing declares health, dental, vision and life. Life appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $2,256,829, with $82,804 in disclosed broker commissions — about 3.7% 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.
CAPITAL FINANCIAL LLC is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF MONTANA | Health | 306 | Jan 1, 2026 | $2,090,525 | $62,721 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 133 | Jan 1, 2026 | $166,304 | $20,083 |
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.
Reported to OSHA
Reported to OSHA for 2025: 154 employees, 11 recordable cases, 69 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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