| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2925 PALMER STREET MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $10K | $27K | 2.73% |
| PLANSOURCE BENEFIT ADMINISTRATION5 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2925 PALMER STREET MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $103K | $6K | $109K | 14.69% |
| PLANSOURCE BENEFIT ADMINISTRATION5 | PO BOX 1313 ORLANDO, FL 32808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL RD BILLINGS, MT 59102 | BLUECROSS BLUESHIELD OF MONTANA | $118K | $15K | $133K | 23.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER STREET MISSOULA, MT 59808 | BLUECROSS BLUESHIELD OF MONTANA | $84K | — | $84K | 15.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2925 PALMER STREET MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | — | $49K | 19.91% |
| 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 | — | $467K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $153K |
| VISION SERVICE PLAN EIN 06-1227840 N/A | Contract Administrator; Direct payment from the plan Service code 13 | — | $53K |
| MCCARTIN ACTUARIAL SERVICES N/A | Actuarial; Direct payment from the plan Service code 11 | 6889 SW ALDEN STREET PORTLAND, OR 97223 | $19K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $19K |
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 | 3,175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,175 | $1.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,175 | $1.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,175 | $1.0M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF MONTANA | 4,864 | $555K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,175 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,864 | — |
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.