| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 4386 MISSOULA, MT 59806 | VISION SERVICE PLAN | $867 | — | $867 | 6.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST MISSOULA, MT 59808 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1105 E. MAIN ST. BOZEMAN, MT 59715 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $359 | $359 | 4.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAYNEWEST INSURANCE INC. PRODUCER | Insurance agents and brokers Service code 22 | 390 BRADLEY BLVD RICHLAND, WA 99352 | $171K |
| DWS HOLDINGS DBA PINNACLE PEAK ADM. EIN 45-3763152 ADMIN/PROGRAM MANAGEMENT | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $138K |
| CIGNA NETWORK PROVIDER | Insurance services Service code 23 | COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $41K |
| S&S HEALTHCARE EIN 31-1418743 CLAIMS PROCESSING | Claims processing Service code 12 | — | $40K |
| AMERITAS LIFE INSURANCE CORP. EIN 47-0098400 CLAIMS PROCESSING | Claims processing Service code 12 | — | $10K |
| HENERSON CONSUTING GROUP, LLC PRODUCER | Insurance agents and brokers Service code 22 | 1930 ARTEMIS RDG RICHLAND, WA 99353 | $2K |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 186 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $7K |
| Stop-loss / reinsurancereinsurance | BRECKPOINT, INC. | 174 | $366K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.