| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF MONTANA | $115K | $0 | $115K | 1.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $42K | $0 | $42K | 10.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $13K | $17K | 5.65% |
| US NATIONAL BENEFIT PARTNERS WEST3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 4.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $8K | $10K | 6.35% |
| US NATIONAL BENEFIT PARTNERS WEST3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $6K | $8K | 6.24% |
| US NATIONAL BENEFIT PARTNERS WEST3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 11.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $8K | $26K | 28.60% |
| US NATIONAL BENEFIT PARTNERS WEST3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $10K | $16K | 58.23% |
| US NATIONAL BENEFIT PARTNERS WEST3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $559 | $559 | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 36.56% |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 827 | $6.0M |
| Dental | STANDARD INSURANCE COMPANY | 523 | $388K |
| Vision | STANDARD INSURANCE COMPANY | 509 | $101K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 750 | $300K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 751 | $156K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 721 | $122K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 337 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.