Form 5500 · Employee benefit plan · BOZEMAN, MT
RANCH AND HOME SUPPLY LLC
The filing calls this plan RANCH AND HOME SUPPLY LLC BENENFT PLANS.
Public Form 5500 records show how RANCH AND HOME SUPPLY LLC of BOZEMAN, MT, a retail employer, structures its employee benefits. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through BLUECROSS BLUESHIELD OF MONTANA and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 72-1542483 · plan 501 · plan year 2025, filed Jul 13, 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
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 life, disability and stop-loss; the largest, with BLUECROSS BLUESHIELD OF MONTANA, covers 1,116 people.
The filing declares life, disability, health, dental and vision. Health, dental and vision appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
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 $1,397,293 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 $1,659,866, with $33,719 in disclosed broker commissions — about 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 305 | Jan 1, 2026 | $103,313 | $18,439 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Life, Disability | 287 | Jan 1, 2026 | $80,934 | $5,982 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 252 | Jan 1, 2026 | $56,080 | $5,292 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 686 | Jan 1, 2026 | $22,246 | $4,006 |
| BLUECROSS BLUESHIELD OF MONTANA | Stop-loss | 1,116 | Jan 1, 2026 | $1,397,293 | $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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 2,897 employees, 136 recordable cases, 433 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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Renewal calendar
201 other employer plans in Montana are January 1 renewals (policy year ends December).
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