| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST/ MARSH & MCLENNAN AGENCY | PO BOX 4386 MISSOULA, MT 59806 | ALLEGIANCE LIFE & HEALTH INSURANCE CO. INC. | $39K | — | $39K | 5.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 591070638 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $237 | — | $237 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 591070638 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $114 | — | $114 | 0.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 591070638 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $805 | — | $805 | 9.22% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $68 | — | $68 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST., SUITE B MISSOULA, MT 598081658 | METROPOLITAN LIFE INSURANCE COMPANY | $782 | — | $782 | 10.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 591070638 | METROPOLITAN LIFE INSURANCE COMPANY | — | $88 | $88 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 591070638 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $277 | — | $277 | 9.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23 | — | $23 | 0.77% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLEGIANCE LIFE & HEALTH INSURANCE CO. INC. | 85 | $764K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $32K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $8K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $3K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $9K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.