| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | HARTFORD LIFE & ACCIDENT | — | $11K | $11K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | HARTFORD LIFE & ACCIDENT | — | $11K | $11K | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 2925 PALMER STE B MISSOULA, MT 59808 | HARTFORD LIFE & ACCIDENT | $24K | — | $24K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | HARTFORD LIFE & ACCIDENT | — | $2K | $2K | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 2925 PALMER STE B MISSOULA, MT 59806 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCCLENNAN AGENCY LLC | 100 FRONT STREET STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.52% |
| COMPASS GROUP INS & INVESTMENTS3 | PO BOX 8268 KALISPELL, MT 59904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $219 | — | $219 | 0.50% |
| COMPASS GROUP INS & INVESTMENTS3 | PO BOX 8268 KALISPELL, MT 59904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| COMPASS GROUP INS & INVESTMENTS3 Filed as: COMPASS GROUP INS. & INVESTMENTS | PO BOX 8268 KALISPELL, MT 59904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $144 | — | $144 | 0.75% |
| COMPASS GROUP INS & INVESTMENTS3 | PO BOX 8268 KALISPELL, MT 59904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 3,495 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 3,495 | $734K |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 1,399 | $813K |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 3,495 | $931K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,495 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.