| 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 | $73K | — | $73K | 9.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | 2925 PALMER SUITE B MISSOULA, MT 59806 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | P.O. BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | 0.00% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS, INC. | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59801 | AIG BENEFIT SOLUTIONS | $16K | — | $16K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | P.O. BOX 30638 BILLINGS, MT 591070638 | VISION SERVICE PLAN | $6K | — | $6K | 5.00% |
| JAMES H. VAN EPPS3 | 10930 CRABAPPLE DR SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 27.80% |
| 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 | $7K | $550 | $7K | 10.35% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DRIVE UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$4K | -$4K | -$7K | -10.62% |
| TIANNA LLC3 | 16220 SOUTH EAST 44TH WAY BELLEVUE, WA 98006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.44% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $611 | $101 | $712 | 10.44% |
| 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 | $19 | — | $19 | 0.28% |
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 | 1,248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 51 | $27K |
| Vision | VISION SERVICE PLAN | 583 | $119K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,313 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,313 | $792K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,313 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,313 | — |
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.