| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | — | BLUECROSS BLUESHIELD OF MONTANA | $80K | $10K | $90K | 2.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $909 | $20K | 9.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MA 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | UNIVERSITY PLAZA 960 BROADWAY AVENU SUITE 500 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | UNIVERSITY PLAZA 960 BROADWAY AVENU SUITE 500 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | UNIVERSITY PLAZA 960 BROADWAY AVENU SUITE 500 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $786 | $786 | 3.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | UNIVERSITY PLAZA 960 BROADWAY AVENU SUITE 500 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $635 | $635 | 3.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | UNIVERSITY PLAZA 960 BROADWAY AVENU SUITE 500 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $429 | $429 | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | UNIVERSITY PLAZA 960 BROADWAY AVENU SUITE 500 BOISE, ID 83706 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $417 | $417 | 3.30% |
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 | 466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 66 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 393 | $4.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $204K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $204K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 475 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 476 | $83K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 475 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.