| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $13K | $13K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57K | $0 | $57K | 24.69% |
| HOLLY KRISTINE HALL3 | 2662 E UPPER HAYDEN LAKE RD HAYDEN, ID 838357185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | — | $42K | 18.09% |
| KAELINA BAUER3 | 8221 W ARIZONA ST RATHDRUM, ID 838588546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 10.51% |
| CHRISTINE L EBY3 | 3210 TIZER ROAD HELENA, MT 59602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 4.51% |
| KAREN PICCININI3 Filed as: KAREN BALL | 11682 E EMERALD DR HAYDEN, ID 838359423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 1.88% |
| JOSE CRUZ BLANCO3 | 18300 ARAGON LN APT K MORGAN HILL, CA 95037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.25% |
| KARI SCHALIN3 | 1324 CENTRAL AVE W , SUITE 13 GREAT FALLS, MT 59404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER STREET MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| PEAKL ADMINISTRATION LLC3 | 508 NW BLVD STE 200 COEUR DALENE, ID 83814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
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 | 734 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 429 | $231K |
| Dental | STANDARD INSURANCE COMPANY | 636 | $646K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 427 | $67K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,162 | $507K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,162 | $507K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,162 | $798K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,162 | — |
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.