| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUE CROSS BLUE SHIELD OF MONTANA | $215K | — | $215K | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W. 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43K | — | $43K | 18.74% |
| MEGAN BERNHARDT3 | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $926 | — | $926 | 0.41% |
| KATHLEEN THERESA VOKRAL3 | 2219 HYACINTH AVENUE BILLINGS, MT 59105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $846 | — | $846 | 0.37% |
| J KAUFMANN INSURANCE, INC3 Filed as: J. KAUFMANN INSURANCE, INC. | 1601 LEWIS AVE STE 216 BILLINGS, MT 59105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $431 | — | $431 | 0.19% |
| HOLLY A MARITA3 Filed as: HOLLY KRISTINE HALL | 2662 E. UPPER HAYDEN LAKE RD. HAYDEN, ID 83835 | CONTINENTAL AMERICAN INSURANCE COMPANY | $389 | — | $389 | 0.17% |
| DENELLE CHARTIER3 | 1515 RANCHO VISTA AVE BILLINGS, MT 59105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $28K | — | $28K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC, A MARSH | PO BOX 4386 MISSOULA, MT 59806 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $8K | $30K | 24.06% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 557 | $4.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 567 | $217K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 554 | $125K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 554 | $125K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 554 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.