| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUE CROSS BLUE SHIELD OF MONTANA | $155K | — | $155K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $29K | — | $29K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W. 4TH AVENUE STE 400 ANCHORAGE, AK 59105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | — | $30K | 14.10% |
| J KAUFMANN INSURANCE, INC3 Filed as: J. KAUFMANN INSURANCE, INC. | 1601 LEWIS AVE STE 216 BILLINGS, MT 59105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.97% |
| KATHLEEN THERESA VOKRAL3 | 2219 HYACINTH AVENUE BILLINGS, MT 59105 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$22 | — | -$22 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC, A MARSH MC | PO BOX 4386 MISSOULA, MT 59808 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | — | $21K | 15.19% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 445 | $3.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 533 | $220K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 569 | $137K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 569 | $137K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 569 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.