| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ORRIN WEBBER3 | PO BOX 8268 KALISPELL, MT 59901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.11% |
| COMPASS GROUP INS & INVESTMENTS3 | PO BOX 8268 KALISPELL, MT 59901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $706 | — | $706 | 0.11% |
| ORRIN WEBBER3 | PO BOX 8268 KALISPELL, MT 59904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | — | $46K | 11.52% |
| COMPASS GROUP INS & INVESTMENTS3 | PO BOX 8268 KALISPELL, MT 59904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 3.48% |
| ORRIN WEBBER3 | PO BOX 8268 KALISPELL, MT 59904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.84% |
| COMPASS GROUP INS & INVESTMENTS3 Filed as: COMPASS GROUP INS& INVESTMENTS | PO BOX 8268 KALISPELL, MT 59904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $416 | — | $416 | 0.17% |
| ORRIN WEBBER3 | PO BOX 8268 KALISPELL, MT 59904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 11.34% |
| COMPASS GROUP INS & INVESTMENTS3 | PO BOX 8268 KALISPELL, MT 59904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.66% |
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 | 3,136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,136 | $646K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $852K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,136 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,136 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.