| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST. SUITE B MISSOULA, MT 59808 | MUTUAL OF OMAHA | $1K | $417 | $1K | 12.51% |
| H&H INSURANCE LLC3 | 1629 AVENUE D SUITE B6 BILLINGS, MT 59102 | MUTUAL OF OMAHA | $710 | — | $710 | 6.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST. SUITE B MISSOULA, MT 59808 | MUTUAL OF OMAHA | $350 | $172 | $522 | 14.52% |
| H&H INSURANCE LLC3 | 1629 AVENUE D SUITE B6 BILLINGS, MT 59102 | MUTUAL OF OMAHA | $190 | — | $190 | 5.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST, SUITE B MISSOULA, MT 59808 | MUTUAL OF OMAHA | — | $31 | $31 | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST., SUITE B MISSOULA, MT 59808 | MUTUAL OF OMAHA | — | $28 | $28 | 4.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DWS HOLDINGS DBA PINNACLE PEAK ADM. EIN 45-3763152 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $45K |
| MARSH MCLENNAN AGENCY PRODUCER FEES | Insurance agents and brokers Service code 22 | 390 BRADLEY BLVD. RICHLAND, WA 99352 | $9K |
| H&H INSURANCE EIN 92-2801001 PRODUCER FEES | Insurance agents and brokers Service code 22 | — | $9K |
| AMERITAS PLAN ADMINISTRATOR | Plan Administrator Service code 14 | PO BOX 81889 LINCOLN, NE 68501 | $7K |
| HAWAII MAINLAND ADMINISTRATORS PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 1600 W. BROADWAY RD. #300 TEMPE, AZ 85282 | $6K |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MUTUAL OF OMAHA | 117 | $12K |
| Other(4 contracts) | MUTUAL OF OMAHA | 117 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.