| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST MISSOULA, MT 59808 | BLUE CROSS BLUE SHIELD OF MONTANA | $35K | $0 | $35K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST MISSOULA, MT 59808 | BLUE CROSS BLUE SHIELD OF MONTANA | $441 | $0 | $441 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 E MAIN ST BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 1105 E MAIN ST BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $947 | $947 | 5.70% |
| MARK LOPEZ3 | 2419 MULLAN RD STE B MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 E MAIN ST BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $511 | $511 | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $606 | $0 | $606 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 E MAIN ST BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $385 | $385 | 6.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $454 | $0 | $454 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 E MAIN ST BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $200 | $200 | 4.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $199 | $0 | $199 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 E MAIN ST BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $118 | $118 | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 2925 PALMER ST STE B MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $573 | $0 | $573 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 E MAIN ST BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $247 | $247 | 6.47% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 165 | $1.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MONTANA | 165 | $1.0M |
| Vision | BLUE CROSS BLUE SHIELD OF MONTANA | 165 | $1.0M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $17K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MONTANA | 165 | $1.0M |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $43K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.