| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 1430 N 16TH AVE BLDG H YAKIMA, WA 989021381 | PREMERA BLUE CROSS | $56K | $1K | $57K | 7.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | UNIVERSITY PLAZA 960 BROADWAY AVENUE SUITE 500 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 1202 N 16TH STE 200 YAKIMA, WA 98902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STE B MISSOULA, MT 59806 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $516 | $516 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STE B MISSOULA, MT 598081658 | VISION SERVICE PLAN | $212 | — | $212 | 1.18% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 145 | $743K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $70K |
| Vision(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 145 | $761K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $74K |
| Prescription drug | PREMERA BLUE CROSS | 145 | $743K |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 98 | $337K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.