| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE FINANCIAL GROUP INC. | 3289 GABEL RD BILLINGS, MT 59102 | AETNA LIFE INSURANCE CO. | $42K | $0 | $42K | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | PO BOX 4386 MISSOULA, MT 59806 | DELTA DENTAL OF WASHINGTON | $11K | $0 | $11K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | PO BOX 4386 MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 1420 5TH AVENUE SUITE 1500 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $375 | $375 | 0.91% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 304 | $1.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 331 | $138K |
| Vision | AETNA LIFE INSURANCE CO. | 304 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $41K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 304 | $1.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.