| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | BLUE CROSS BLUE SHIELD OF MONTANA | $61K | $1K | $62K | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| WESLEY DALE GINSBACH3 | 18704 KNUTSON ROAD NEWELL, SD 57760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $238 | $7K | 22.82% |
| STEPHANIE MARIE MCMAHON3 | 17885 GABERT ROAD MISLAND, SD 57762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST/MATTHEW HARDY | 3289 GABEL RD BILLINGS, MT 591027371 | UNITED HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 312 | $1.7M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 361 | $138K |
| Vision | UNITED HERITAGE LIFE INSURANCE COMPANY | 159 | $27K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 222 | $0 |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 25 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.