| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 4386 MISSOULA, MT 59808 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $102K | — | $102K | 3.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 30638 BILLINGS, MT 59107 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $68K | — | $68K | 2.59% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $689 | $689 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2925 PALMER STREET MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 18.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAYNEWEST (MARSH MCLENNAN AGENCY) N/A | Direct payment from the plan; Contract Administrator 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 | Direct payment from the plan; Accounting (including auditing) 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 prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.