| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER STREET MISSOULA, MT 59808 | BLUE CROSS BLUE SHIELD OF MONTANA | $7K | $3K | $11K | 0.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | BLUE CROSS BLUE SHIELD OF MONTANA | $1K | $0 | $1K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER STREET MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $947 | $11K | 16.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $229 | $2K | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER STREET MISSOULA, MT 59808 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.05% |
| UNKNOWN3 | UNKNOWN BOZEMAN, MT 59771 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 4.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $646 | $0 | $646 | 2.25% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 297 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MONTANA | 297 | $1.7M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 334 | $63K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 334 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 334 | $63K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 297 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 334 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.