| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | 3289 GABEL RD BILLINGS, MT 59102 | HCC LIFE INSURANCE COMPANY | $24K | $0 | $24K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | PO BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $7K | $1K | $8K | 11.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | 3289 GABEL RD BILLINGS, MT 59102 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | PO BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $2K | $155 | $2K | 10.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | PO BOX 30638 BILLINGS, MT 59107 | VISION SERVICE PLAN | $823 | $0 | $823 | 6.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES LLC EIN 81-0391256 POST-SERVICE NEGOTIATION | Contract Administrator; Other fees Service code 13 | — | $57K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 PPO | Other services Service code 49 | — | $19K |
| DELTA DENTAL EIN 94-2761537 DENTAL ADMIN | Claims processing Service code 12 | — | $10K |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 87 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 136 | $72K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 27 | $16K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 176 | $178K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 136 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.