| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST STE B MISSOULA, MT 59808 | BLUE CROSS BLUE SHIELD OF MONTANA | $41K | $2K | $43K | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.67% |
| MARK LOPEZ3 | 2419 MULLAN RD STE B MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $769 | $2K | 15.51% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | DEARBORN LIFE INSURANCE COMPANY | $1K | $490 | $2K | 14.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $487 | $243 | $730 | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $675 | $405 | $1K | 16.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $553 | $264 | $817 | 14.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $627 | $207 | $834 | 19.95% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 165 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MONTANA | 165 | $1.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 72 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 165 | $1.2M |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.