| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF MONTANA | $58K | $3K | $61K | 3.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | BLUECROSS BLUESHIELD OF MONTANA | — | $1 | $1 | 0.00% |
| RESSLER MOTOR COMPANY3 | 8474 HUFFINE LANE BOZEMAN, MT 59718 | BLUECROSS BLUESHIELD OF MONTANA | — | $1 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCEINC | PO BOX 4386 MISSOULA, MT 59806 | DEARBORN LIFE INSURANCE COMPANY | $21K | — | $21K | 13.69% |
No Schedule C service providers reported on this filing.
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 338 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF MONTANA | 338 | $1.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 372 | $152K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 372 | $152K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 372 | $152K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 372 | $152K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 372 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.