| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST, STE #B MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $13K | $28K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST, STE #B MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $4K | $36K | 15.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST, STE #B MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $3K | $34K | 21.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MONTANA EIN 81-0216685 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $707K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $94K |
| PREVENTURE N/A | Consulting (general); Direct payment from the plan Service code 16 | 2000 NOOSENECK HILL ROAD COVENTRY, RI 02816 | $31K |
| VISION SERVICE PLAN EIN 83-0212963 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $28K |
| MCCARTIN ACTUARIAL SERVICES N/A | Direct payment from the plan; Actuarial Service code 11 | 7410 S W OLESON ROAD SUITE 428 PORTLAND, OR 97223 | $8K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | 6565 AMERICAS PKWY 600 ALBUQUERQUE, NM 87110 | $8K |
| CROWLEY FLECK N/A | Legal; Direct payment from the plan Service code 29 | 900 N. LAST CHANCE GULCH SUITE 200 HELENA, MT 59601 | $8K |
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 | 1,727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,897 | $943K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,897 | $711K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,897 | $711K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,897 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,897 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.