| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | UNITED HEALTHCARE INSURANCE COMPANY | $92K | $0 | $92K | 6.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 601 W MAIN AVE, STE 1300 SPOKANE, WA 99201 | UNITED HEALTHCARE INSURANCE COMPANY | -$230 | $0 | -$230 | -0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | DELTA DENTAL OF WASHINGTON | $11K | $0 | $11K | 6.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 12.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 10.98% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36K | $0 | $36K | 82.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 51.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 59101 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 15.61% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 326 | $1.5M |
| Dental | DELTA DENTAL OF WASHINGTON | 268 | $158K |
| Vision | STANDARD INSURANCE COMPANY | 157 | $17K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 198 | $112K |
| Short-term disability | STANDARD INSURANCE COMPANY | 104 | $13K |
| Long-term disability | STANDARD INSURANCE COMPANY | 198 | $71K |
| Other(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 198 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.