| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL RD BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | $12K | $78K | 11.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL RD BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $8K | $77K | 18.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL RD BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $389 | $9K | 7.78% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.79% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.62% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H | 10930 CRABAPPLE STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $518 | — | $518 | 0.43% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 206 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $518 | — | $518 | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL RD BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF MT EIN 36-1236610 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $843K |
| HEALTHCHECK 360 EIN 42-1403200 NONE | Other services Service code 49 | 800 MAIN STREET PO BOX 1475 DUBUQUE, IA 52004 | $152K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $90K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $88K |
| RXBENEFITS, INC. EIN 63-1157085 CLAIMS PROCESSING | Claims processing Service code 12 | — | $25K |
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 | 2,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,837 | $307K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,239 | $705K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,239 | $705K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,239 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,239 | — |
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."
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.