| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | P.O. BOX 30638 BILLINGS, MT 59107 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $9K | $17K | 7.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | P.O. BOX 4386 MISSOULA, MT 59808 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $2K | $21K | 22.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | P.O. BOX 4386 MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | P.P. BOX 4386 MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $481 | $5K | 29.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MONTANA EIN 81-0216685 NONE | Contract Administrator Service code 13 | P.O. BOX 4309 HELENA, MT 59604 | $167K |
| PAYNEWEST INSURANCE COMPANY EIN 81-0479558 NONE | Insurance agents and brokers Service code 22 | P.O. BOX 30638 BILLINGS, MT 59701 | $81K |
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 | 410 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 746 | $0 |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $220K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $220K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 407 | $78K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 468 | $90K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 746 | $0 |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 746 | $362K |
| Other(5 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 468 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 746 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.