| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 802173850 | DELTA DENTAL INSURANCE COMPANY | $13K | — | $13K | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 591070638 | DELTA DENTAL INSURANCE COMPANY | $10K | — | $10K | 2.16% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $4K | $16K | 7.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 591070638 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.14% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 591070638 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 802173850 | VISION SERVICE PLAN | $2K | — | $2K | 2.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 591070638 | VISION SERVICE PLAN | $593 | — | $593 | 0.61% |
| VHA MID AMERICA INS SVCS3 | 7415 W 130TH ST STE 200 OVERLAND PARK, KS 66213 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $723 | $226 | $949 | 7.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 591070638 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $373 | — | $373 | 3.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROWLEY FLECK PLLP EIN 81-0122795 NONE | Legal Service code 29 | 490 NORTH 31ST STREET BILLINGS, MT 59101 | $38K |
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 | 1,165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 2,292 | $11.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,712 | $445K |
| Vision | VISION SERVICE PLAN | 682 | $96K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,469 | $225K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,184 | $181K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 2,292 | $11.4M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MONTANA | 2,292 | $11.4M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,469 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,292 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.