| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | — | BLUECROSS BLUESHIELD OF MONTANA | $35K | — | $35K | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF MONTANA | $23K | — | $23K | 0.79% |
| WESTERN MONTANA MENTAL HEALTH CENTE3 | 1321 WYOMING STREET MISSOULA, MT 59801 | BLUECROSS BLUESHIELD OF MONTANA | $5 | — | $5 | 0.00% |
| PAYNEWET INSURANCE, INC3 | 1108 LIVINGSTON AVENUE HELENA, MT 59601 | BLUECROSS BLUESHIELD OF MONTANA | $1 | — | $1 | 0.00% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN A. HIRSCHENBERGER | — | BLUECROSS BLUESHIELD OF MONTANA | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | BLUECROSS BLUESHIELD OF MONTANA | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 7.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET MISSOULA, MA 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 7.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $832 | $832 | 5.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $666 | $666 | 6.85% |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 52 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 288 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $164K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $164K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 331 | $10K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 331 | $73K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 331 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.