| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59801 | HM LIFE INSURANCE COMPANY | $56K | — | $56K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 3327 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.69% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 3327 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $901 | $3K | 18.75% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $627 | $627 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 3327 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $899 | $3K | 21.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 3327 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $531 | $2K | 22.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 3327 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $599 | $353 | $952 | 20.66% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $184 | $184 | 3.99% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $8K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 286 | $373K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.