| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI FEARON3 | PAYNE WEST 2925 PALMER SUITE B MISSOULA, MT 59801 | MONTANA HEALTH COOPERATIVE | $19K | — | $19K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 6127 HELENA, MT 59604 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.00% |
| HILTON AGENCY CORPORATION3 Filed as: HILTON, GARY, H | 4663 W CARRIAGE LANE CEDAR HILLS, UT 84062 | AMERITAS LIFE INSURANCE CORP. | $347 | — | $347 | 1.05% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL NATIONAL | 257 E 200 SUITE 100 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP. | $347 | — | $347 | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSUANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $905 | $121 | $1K | 18.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $352 | $70 | $422 | 12.88% |
No Schedule C service providers reported on this filing.
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MONTANA HEALTH COOPERATIVE | 86 | $481K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 81 | $33K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 81 | $33K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $3K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.