| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST. SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $11K | $62K | 10.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $10K | $74K | 17.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $17K | 11.41% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR. UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 7.93% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE RD STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $279 | $9K | 6.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST. SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $679 | $102 | $781 | 15.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 NONE | Claims processing; Contract Administrator Service code 12 | — | $518K |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 NONE | Claims processing Service code 12 | — | $113K |
| PAYNE WEST INSURANCE INC. EIN 81-0479558 NONE | Insurance agents and brokers Service code 22 | — | $111K |
| HEALTHCHECK360 NONE | Other services Service code 49 | 800 MAIN STREET PO BOX 1475 DUBUQUE, IA 52004 | $82K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 NONE | Claims processing Service code 12 | — | $80K |
| HUB INTERNATINAL MIDWEST NONE | Consulting (general) Service code 16 | 55 E JACKSON ST 14TH FLOOR CHICAGO, IL 60604 | $72K |
| STARPOINT, LLC EIN 03-0507057 NONE | Claims processing Service code 12 | — | $56K |
| FIRST CHOICE HEALTH NETWORK EIN 91-1272766 NONE | Contract Administrator Service code 13 | — | $43K |
| JELLYVISION NONE | Other services Service code 49 | 848 W EASTMAN ST #104 CHICAGO, IL 60642 | $41K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing Service code 12 | — | $34K |
| TAKE CONTROL INC EIN 27-5492229 NONE | Consulting (general) Service code 16 | — | $27K |
| MONTANA ASSOCIATION OF HEALTH CARE EIN 81-0511353 NONE | Other fees Service code 99 | — | $24K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 NONE | Claims processing Service code 12 | — | $20K |
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 | 2,153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 171 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,584 | $226K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,153 | $584K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,153 | $579K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 1,882 | $1.3M |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,153 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,153 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.