| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | 6413 DUNMOOR DR PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $120 | $5K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 145 W FRONT ST MISSOURLA, MT 59801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.52% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 608 NORTHWEST BLVD COEUR D ALENE, ID 83814 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.55% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOURLA, MT 59809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $56 | $2K | 2.31% |
| WASLEY DALE GINSBACH3 | 18704 KNUTSON RD NEWELL, SD 57760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | — | $588 | 0.55% |
| TIM L WILLIAMS3 | 1831 YALE AVE #244 BUTTE, MT 59701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $138 | $555 | 0.52% |
| FOREVER EMPLOYER LTD3 | 375 EAST HORSETOOTH RD FORT COLLINS, CO 80525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $513 | — | $513 | 0.48% |
| STEPHANIE MARIE MCMAHON3 | 17885 GABERT RD MISLAND, SD 57762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.18% |
| VALORIE L STRICKLAND3 | 1437 CIMARRON PL RICHLAND, WA 99352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.04% |
| MARK J ROBISON3 Filed as: MARK J ROBINSON | 1255 KIENAS ROAD KALISPELL, MT 59901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| TROY KANE3 | 3289 GABEL RD BILLINGS, MT 591027371 | UNITED HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER STREET MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| PEAKL ADMINISTRATION LLC3 | 508 NW BLVD STE 200 COEUR D ALENE, ID 83814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 18.95% |
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 | 697 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 130 | $108K |
| Dental | STANDARD INSURANCE COMPANY | 594 | $538K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 382 | $62K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 688 | $245K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 688 | $245K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 688 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.