| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PAYNEWEST INSURANCE INC 1108 LIVINGSTON STREET HELENA, MT 59601 | HARTFORD LIFE AND ACCIDENT | $51K | — | $51K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 6.03% |
| ALLEGIANCE BENEFIT PLAN MANAGEMENT3 Filed as: ALLEGIANCE BENEFIT PLAN MANAGEMENT, | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | HCC LIFE INSURANCE COMPANY | — | $9K | $9K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT, EIN 81-0400550 THIRD PARTY ADMIN. | Claims processing Service code 12 | — | $397K |
| ALLEGIANCE CASE MANAGEMENT EIN 03-0507057 CASE MANAGEMENT | Claims processing Service code 12 | — | $13K |
| 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 | 840 | 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) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,913 | $339K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 839 | $286K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,006 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,006 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.