| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3289 GABEL RD BILLINGS, MT 59102 | HCC LIFE INSURANCE COMPANY | $28K | $0 | $28K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | HCC LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BOULEVARD LOCKBOX 412703 MA5-527-02- 07 DORCHESTER, MA 02125 | HCC LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | 3289 GABEL RD BILLINGS, MT 59102 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $0 | $9K | 16.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 740659 LOS ANGELES, CA 90074 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 30638 BILLINGS, MT 59107 | DELTA DENTAL INSURANCE COMPANY | $1K | $0 | $1K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | VISION SERVICE PLAN | $823 | $0 | $823 | 6.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES EIN 81-0391256 TPA | Contract Administrator Service code 13 | — | $42K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 PPO | Other services Service code 49 | — | $21K |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 177 | $36K |
| Vision | VISION SERVICE PLAN | 80 | $12K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 100 | $210K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 201 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.