| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | UNITED HEALTHCARE INSURANCE COMPANY | $56K | $0 | $56K | 3.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | DELTA DENTAL OF WASHINGTON | $10K | $0 | $10K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 7.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 5.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $908 | $0 | $908 | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 15.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 59101 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 8.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 10.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ALLSTATE BENEFITS/PAYNEWEST INS. | — | U.S. LEGAL SERVICES OF WISCONSIN, INC. | $519 | $0 | $519 | 19.62% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 290 | $1.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 246 | $140K |
| Vision | STANDARD INSURANCE COMPANY | 141 | $15K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 175 | $89K |
| Short-term disability | STANDARD INSURANCE COMPANY | 96 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 175 | $61K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 175 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
No prospect flags tripped on this filing.