| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | BLUECROSS BLUESHIELD OF MONTANA | $37K | — | $37K | 4.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $3K | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 49806 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 21.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER SUITE B MISSOULA, MT 59806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | — | $364 | 4.57% |
| WESLEY DALE GINSBACH3 | 18704 KNOTSON RD NEWELL, SD 57760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 1.04% |
| DAWN T SUCHECKI3 Filed as: DAWN RENEE MORGAN | 6413 DUNMOOR DR PLANO, TX 75093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $6 | $61 | 0.77% |
| MAXIMUM BENEFIT SOLUTIONS LLC3 | 139 GRANITE PEAK DR BOZEMAN, MT 59718 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $8 | $18 | 0.23% |
| MELISSA A KOLL3 Filed as: MELISSA RENFROE | 216 CLIMAX DRIVE DILLON, CO 80435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.08% |
| OPTIO LLC3 | 731 ELDORADO BLVD #1636 BROOMFIELD, CO 80021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 195 | $830K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 54 | $36K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 51 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 139 | $22K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 55 | $37K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 139 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.