| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF MONTANA | $53K | — | $53K | 2.02% |
| WESTERN MONTANA MENTAL HEALTH CENTE3 | 1321 WYOMING STREET MISSOULA, MT 59801 | 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: MARSH & MCLENNAN AGENCY LLC DBA PAY | PO BOX 4386 MISSOULA, MT 59806 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $38 | $8K | 5.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $173 | $8K | 5.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MA 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 6.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $896 | $896 | 6.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $576 | $576 | 7.12% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 129 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 250 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $147K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $147K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $67K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.