| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI FEARON3 | PAYNEWEST FINANCIAL 1108 LIVINGSTON AVENUE HELENA, MT 59601 | ALLEGIANCE LIFE & HEALTH INSURANCE COMPANY, INC. | $50K | — | $50K | 10.00% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 SOUTH GARFIELD STREET SUITE 101 MISSOULA, MT 59806 | TOKIO MARINE HCC | — | $8K | $8K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $22K | 18.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $13K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT, EIN 81-0400550 THIRD PARTY ADMIN. | Claims processing Service code 12 | — | $322K |
| STARPOINT, LLC EIN 03-0507057 CASE MANAGEMENT | Claims processing Service code 12 | — | $20K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 THIRD PARTY ADMIN. | Contract Administrator Service code 13 | — | $5K |
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 | 898 | 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) | 898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALLEGIANCE LIFE & HEALTH INSURANCE COMPANY, INC. | 678 | $503K |
| Vision | ALLEGIANCE LIFE & HEALTH INSURANCE COMPANY, INC. | 678 | $503K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 898 | $118K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 900 | $272K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,800 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,800 | — |
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.