| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | — | BLUECROSS BLUESHIELD OF MONTANA | $30K | $19K | $49K | 12.47% |
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUECROSS BLUESHIELD OF MONTANA | $22K | — | $22K | 5.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 3327 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $497 | $4K | 9.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 3327 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $201 | $7K | 15.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 11.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 545 SOUTHWEST 2ND STREET SUITE 101 CORVALLIS, OR 97333 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 3327 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $283 | $3K | 11.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 3327 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $153 | $2K | 11.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 EAST MAIN STREET BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 11.01% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $30K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $58K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $27K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF MONTANA | 515 | $396K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.