See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 2 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 4 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAYNEWEST (MARSH MCLENNAN AGENCY) N/A | Contract Administrator; Direct payment from the plan Service code 13 | 2925 PALMER ST MISSOULA, MT 59808 | $168K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $144K |
| PRISM HEALTH N/A | Insurance agents and brokers; Direct payment from the plan Service code 22 | 3300 ASHTON BLVD 100 LEHI, UT 84043 | $71K |
| VISION SERVICE PLAN EIN 06-1227840 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $68K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $37K |
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 | 3,041 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,424 | $2.6M |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,424 | $2.6M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,424 | $2.6M |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 6,424 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,424 | — |
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."
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.