| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 1108 LIVINGSTON AVENUE HELENA, MT 59601 | BLUECROSS BLUESHIELD OF MONTANA | — | $742 | $742 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 6.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET MISSOULA, WA 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 4.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.38% |
| FMLASOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 2.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF MONTANA CLAIMS PROCESSING | Claims processing; Insurance services Service code 12 | PO BOX 7309 HELENA, MT 59604 | $217K |
| PAYNEWEST BROKER | Plan Administrator Service code 14 | 1108 LIVINGSTON AVENUE HELENA, MT 59601 | $75K |
| ALLIANT BROKER | Plan Administrator Service code 14 | 1420 5TH AVENUE, 15TH FLOOR SEATTLE, WA 98101 | $33K |
| MEDCOM BENEFITS INSURANCE SERVICE | Insurance services Service code 23 | PO BOX 10269 JACKSONVILLE, FL 32247 | $12K |
| HOLLAND & HART LLP LEGAL | Legal Service code 29 | 401 NORTH 31ST STREET SUITE 1500 BILINGS, MT 59101 | $11K |
| ANDERSON ZURMUEHLEN ACCOUNTING | Accounting (including auditing) Service code 10 | 828 GREAT NORTHERN BOULEVARD HELENA, MT 59601 | $8K |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 374 | $317K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 374 | $317K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 374 | $317K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF MONTANA | 997 | $4.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 374 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 997 | — |
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.