| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST STE B MISSOULA, MT 59808 | BLUECROSS BLUESHIELD OF TEXAS | $123K | $2K | $124K | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PAYNEWEST INSURANCE PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 14.20% |
| MARSH & MCLENNAN AGENCY LLC3 | PAYNEWEST INSURANCE PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 13.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 18.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 18.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $921 | $2K | 18.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PAYNEWEST INSURANCE PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $644 | $0 | $644 | 8.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $694 | $583 | $1K | 18.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $280 | $243 | $523 | 18.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32 | $33 | $65 | 20.50% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 403 | $3.8M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 403 | $3.8M |
| Vision | STANDARD INSURANCE COMPANY | 136 | $7K |
| Life insurance(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 224 | $59K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 224 | $50K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 47 | $24K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.