| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 545 SW 2ND ST SUITE 101 CORVALLIS, OR 97333 | GUARDIAN | $9K | $14K | $24K | 6.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $950 | $15K | 16.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST MISSOULA, MT 59808 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $373 | $4K | 8.33% |
| ASSUREX4 | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $278 | $278 | 0.53% |
| BLOCK, CHARLES, D4 | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.26% |
| VAN EPPS, JAMES, H4 | 10930 CRABAPPLE RD STE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $269 | $4K | 9.06% |
| BLOCK, CHARLES, D4 | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $222 | — | $222 | 0.50% |
| VAN EPPS, JAMES, H4 | 10930 CRABAPPLE RD SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $222 | — | $222 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $214 | $3K | 16.02% |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 497 | $345K |
| Vision | GUARDIAN | 497 | $345K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 541 | $167K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF MONTANA | 978 | $799K |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 541 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 978 | — |
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."
No prospect flags tripped on this filing.