| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | UKNOWN UKNOWN, MT 00000 | BLUECROSS BLUESHIELD OF TEXAS | $59K | $0 | $59K | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | UKNOWN UKNOWN, MT 00000 | BLUECROSS BLUESHIELD OF TEXAS | $6K | $3K | $9K | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 15.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | PO BOX 30638 BILLINGS, MT 59101 | STANDARD INSURANCE COMPANY | $221 | $0 | $221 | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 17.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | PO BOX 30638 BILLINGS, MT 59101 | STANDARD INSURANCE COMPANY | -$735 | $0 | -$735 | -1.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $773 | $0 | $773 | 3.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | PO BOX 30638 BILLINGS, MT 59101 | STANDARD INSURANCE COMPANY | $52 | $0 | $52 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $871 | $0 | $871 | 8.72% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 262 | $2.2M |
| Vision | STANDARD INSURANCE COMPANY | 133 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 175 | $66K |
| Short-term disability | STANDARD INSURANCE COMPANY | 156 | $50K |
| Long-term disability | STANDARD INSURANCE COMPANY | 36 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.