| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $511 | — | $511 | 10.99% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR D ALENE, ID 83814 | USABLE LIFE | $425 | — | $425 | 19.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | USABLE LIFE | $213 | — | $213 | 10.01% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR D ALENE, ID 83814 | USABLE LIFE | $157 | — | $157 | 8.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | USABLE LIFE | $26 | — | $26 | 1.36% |
| COURTNEY BABCOCK3 | 1780 FAIRVIEW CEMETERY ROAD COLUMBIA FALLS, MA 59912 | USABLE LIFE | $7 | — | $7 | 0.37% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR D ALENE, ID 83814 | USABLE LIFE | $64 | — | $64 | 9.92% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR D ALENE, ID 83814 | USABLE LIFE | $3 | — | $3 | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | USABLE LIFE | $2 | — | $2 | 1.94% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 87 | $33K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 87 | $33K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $12K |
| Long-term disability | USABLE LIFE | 3 | $2K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.