| 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 | $18K | $21K | $40K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST, STE #B MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | $9K | $74K | 15.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST, STE #B MISSOULA, MT 59808 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $20K | — | $20K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST, STE #B MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 19.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MONTANA EIN 36-1236610 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $365K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $137K |
| VISION SERVICE PLAN EIN 06-1227840 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $55K |
| PREMISE HEALTH SYSTEMS EIN 23-3057155 N/A | Direct payment from the plan; Other fees Service code 50 | — | $50K |
| EMPLOYEE BENEFIT MANAGEMENT SERVICE N/A | Direct payment from the plan; Other services Service code 49 | 2075 OVERLAND AVENUE BILLINGS, MT 59102 | $17K |
| DISCOVERY BENEFITS N/A | Contract Administrator; Direct payment from the plan Service code 13 | 4321 20TH AVE S FARGO, ND 581037194 | $17K |
| MCCARTIN ACTUARIAL SERVICES N/A | Direct payment from the plan; Actuarial Service code 11 | 6889 SW ALDEN STREET PORTLAND, OR 97223 | $11K |
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 | 2,551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,541 | $1.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,541 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,541 | $1.2M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 2,587 | $406K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,541 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,587 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.