| 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 | $21K | $27K | $48K | 3.14% |
| PLANSOURCE BENEFIT ADMINISTRATION5 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2925 PALMER STREET MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $123K | $14K | $138K | 15.53% |
| PLANSOURCE BENEFIT ADMINISTRATION5 | PO BOX 1313 ORLANDO, FL 32808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2925 PALMER STREET MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 19.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2925 PALMER STREET MISSOULA, MT 59808 | BLUECROSS BLUESHIELD OF MONTANA | $59K | $3K | $61K | — |
| 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 | $201K |
| SELECTHEALTH EIN 87-0409820 N/A | Claims processing; Direct payment from the plan Service code 12 | — | $164K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $133K |
| VISION SERVICE PLAN EIN 06-1227840 N/A | Direct payment from the plan; Contract Administrator Service code 13 | — | $73K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $27K |
| MCCARTIN ACTUARIAL SERVICES N/A | Actuarial; Direct payment from the plan Service code 11 | 6889 SW ALDEN STREET PORTLAND, OR 97223 | $13K |
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 | 2,935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,078 | $2.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,078 | $1.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,078 | $1.5M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF MONTANA | 4,717 | $0 |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,078 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,717 | — |
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.