| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1108 LIVINGSTON AVENUE HELENA, MT 59604 | HARTFORD LIFE AND ACCIDENT | $58K | — | $58K | 13.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HCC LIFE INSURANCE COMPANY | $8K | — | $8K | 2.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 1108 LIVINGSTON AVENUE HELENA, MT 59601 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 0.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| APTA HEALTH LLC EIN 47-4033163 CASE MANAGEMENT | Claims processing Service code 12 | — | $248K |
| 6 DEGREES HEALTH DX LLC EIN 81-4242649 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $237K |
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 THIRD PARTY ADMIN. | Claims processing Service code 12 | — | $206K |
| PAYNEWEST INSURANCE EIN 81-0479558 BROKER | Securities brokerage commissions and fees Service code 71 | — | $111K |
| PRISM HEALTH STRATEGISTS LLC EIN 84-3791694 THIRD PARTY ADMIN. | Other fees Service code 99 | — | $15K |
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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,909 | $414K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 746 | $362K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,006 | $442K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.