| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | P.O. BOX 30638 BILLINGS, MT 59107 | HARTFORD LIFE AND ACCIDENT | $82K | — | $82K | 10.91% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS, INC. | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59801 | AIG BENEFIT SOLUTIONS | $16K | — | $16K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | P.O. BOX 30608 BILLINGS, MT 591070638 | VISION SERVICE PLAN | $6K | — | $6K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | P.O. BOX 4386 2925 PALMER, SUITE 3 MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 16.32% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DRIVE UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $4K | $26K | 45.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | P.O. BOX 4386 2925 PALMER, SUITE 3 MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 18.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | P.O. BOX 4386 2925 PALMER, SUITE 3 MISSOULA, MT 59808 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 66.96% |
| ASSUREX3 | 175 S. THIRD ST. SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 23.63% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $642 | $135 | $777 | 8.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | P.O. BOX 4386 2925 PALMER, SUITE 3 MISSOULA, MT 59808 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | P.O. BOX 4386 2925 PALMER, SUITE 3 MISSOULA, MT 59808 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 67.41% |
| ASSUREX3 | 175 S. THIRD ST. SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $681 | $681 | $1K | 23.81% |
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 | 1,081 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 583 | $115K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,273 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,273 | $755K |
| Other(7 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,273 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,273 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.