| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S&S HEALTH CARE3 | 1385 KEMPER MEADOW DRIVE CINCINNATI, OH 45240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $74K | — | $74K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 4386 MISSOULA, MT 59806 | VISION SERVICE PLAN | $1K | — | $1K | 5.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST. SUITE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 E MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 7.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST. SUITE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 E MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 10.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST. SUITE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $573 | — | $573 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 E MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $349 | $349 | 9.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST. SUITE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $484 | — | $484 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 E MAIN STREET BOZEMAN, MA 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $316 | $316 | 9.80% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $1.7M |
| Dental | DELTA DENTAL OF WASHINGTON | 181 | $111K |
| Vision | VISION SERVICE PLAN | 180 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $4K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $1.7M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.