| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY STE 200 PORTLAND, OR 972239058 | DELTA DENTAL INSURANCE COMPANY | $17K | — | $17K | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 591070638 | DELTA DENTAL INSURANCE COMPANY | $17K | — | $17K | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST STE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $17K | 4.69% |
| THE PARTNERS GROUP3 | 11225 SE 6TH ST STE 110 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST STE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 10.99% |
| THE PARTNERS GROUP3 | 11225 SE 6TH ST STE 110 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $877 | $11K | 5.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 591070638 | VISION SERVICE PLAN | $2K | — | $2K | 1.51% |
| THE PARTNERS GROUP3 | 11740 SW 68TH PKWY STE 200 PORTLAND, OR 972239058 | VISION SERVICE PLAN | $864 | — | $864 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CROWLEY FLECK PLLP EIN 81-0122795 NONE | Legal Service code 29 | 490 NORTH 31ST STREET BILLINGS, MT 59101 | $87K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | 401 NORTH 31ST STREET, SUITE 1120 BILLINGS, MT 59103 | $14K |
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 | 1,406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 2,822 | $13.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,077 | $668K |
| Vision | VISION SERVICE PLAN | 894 | $142K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,742 | $559K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,742 | $368K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 2,822 | $13.6M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MONTANA | 2,822 | $13.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,742 | $559K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,822 | — |
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.