| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 3289 GABEL RD BILLINGS, MT 59102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $654 | $69K | $69K | 4.28% |
| ROGER BOUCHARD INSURANCE INC3 | P.O. BOX 6090 CLEARWATER, FL 33758 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $13K | $14K | 0.88% |
| REFINED BENEFITS DBA SULLIVAN3 | 10672 BLOOMINGDALE AVENUE SUITE 102 RIVERVIEW, FL 335780000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$223 | -$223 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | P.O. BOX 4386 MISSOULA, MT 59808 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 9.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | P.O. BOX 85638 SAN DIEGO, CA 921865638 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.13% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 6090 CLEARWATER, FL 33758 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE IN | 3289 GABEL RD BILLINGS, MT 59102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $654 | $7K | 9.04% |
| ROGER BOUCHARD INSURANCE INC3 Filed as: ROGER BOUCHARD INS INC | PO BOX 6090 CLEARWATER, FL 33758 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER SUITE B MISSOULA, MT 59806 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $895 | — | $895 | 9.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC-BOUCHA | 101 STARCREST DR CLEARWATER, FL 33765 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $80 | — | $80 | 0.82% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 163 | $1.6M |
| Dental(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 148 | $181K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 97 | $10K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 148 | $107K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 148 | $107K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 148 | $107K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 148 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.