| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | — | BLUECROSS BLUESHIELD OF MONTANA | $63K | — | $63K | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 9.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MA 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 20.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $842 | $4K | 19.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $703 | $3K | 20.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $640 | $2K | 21.25% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 69 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 320 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $177K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $177K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $10K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $72K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 375 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.