| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2925 PALMER ST MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER ST MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $315 | — | $315 | 0.58% |
| ASSUREX3 | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC HQ | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 7.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC DBA PA | 1105 E MAIN ST BOZEMAN, MT 59715 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH & MCLENNAN AGENCY, LLC | PO BOX 4386 MISSOULA, MT 59806 | PRINCIPAL LIFE INSURANCE COMPANY | $956 | — | $956 | 2.06% |
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 | 313 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 131 | $168K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $46K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $46K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $54K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $54K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 131 | $180K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.