| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG PA | $34K | — | $34K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 10.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL RD BILLINGS, MT 59102 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 16.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 12.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | CIGNA GROUP INSURANCE | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES, INC EIN 81-0391256 ADMINISTRATION | Contract Administrator Service code 13 | — | $68K |
| AETNA PPO EIN 06-6033492 PPO | Other services Service code 49 | — | $26K |
| DELTA DENTAL EIN 94-2761537 DENTAL ADMIN | Other fees Service code 99 | — | $17K |
| EMPLOYEE BENEFIT MGMT SERVICES INC EIN 81-0391256 CASE MANAGEMENT | Other fees Service code 99 | — | $7K |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 183 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 212 | $117K |
| Short-term disability | CIGNA GROUP INSURANCE | 174 | $12K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 212 | $117K |
| Prescription drug | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG PA | 175 | $226K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG PA | 311 | $245K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 87 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.