| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 501 N. RIVERPOINT BLVD. #403 SPOKANE, WA 99202 | GUARDIAN LIFE INSURANCE OF AMERICA | $11K | — | $11K | 3.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | P.O. BOX 4386 2925 PALMER, SUITE 3 MISSOULA, MT 59808 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $460 | $7K | 7.49% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 5.07% |
| BLOCK, CHARLES, D4 | UNIT 208 648 VILLAGE PARK DRIVE WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 17.22% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES | 10930 CRABTREE ROAD SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC | P.O. BOX 4386 2925 PALMER, SYUTE 3 MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $452 | $6K | 10.42% |
| BLOCK, CHARLES, D4 Filed as: BLOCK, CHARLES D | UNIT 208 648 VILLAGE PARK DRIVE WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $8 | $2K | 3.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 31.45% |
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 | 441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE OF AMERICA | 402 | $295K |
| Vision | GUARDIAN LIFE INSURANCE OF AMERICA | 402 | $295K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $92K |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 791 | $395K |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 446 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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.