| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | PO BOX 4386 MISSOULA, MT 59806 | BLUE CROSS BLUE SHIELD OF MONTANA | $25K | — | $25K | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST STE B MISSOULA, MT 59808 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $409 | $2K | 12.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | PO BOX 4386 MISSOULA, MA 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $823 | $257 | $1K | 13.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $657 | $197 | $854 | 12.99% |
| PAYNESTWEST INSURANCE INC.3 | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $457 | $158 | $615 | 13.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $678 | $124 | $802 | 17.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | P O BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $143 | $93 | $236 | 8.28% |
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 | 150 | $841K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $41K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $41K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $16K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 150 | $841K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.