| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 501 NORTH RIVER POINT BOULEVARD SUITE 403 SPOKANE, WA 99202 | ASURIS NORTHWEST HEALTH | $47K | $5K | $52K | 5.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 501 NORTH RIVER POINT BOULEVARD SUITE 403 SPOKANE, WA 99202 | DELTA DENTAL OF WASHINGTON | $9K | — | $9K | 5.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 3289 GABEL ROAD BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $14K | 14.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 2925 PALMER STREET , SUITE B MISSOULA, MT 59806 | VISION SERVICES PLAN | $1K | $0 | $1K | 5.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | 2925 PALMER , SUITE B MISSOULA, MT 59806 | LIFEMAP ASSURANCE COMPANY | $1K | $0 | $1K | 8.88% |
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 | 169 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ASURIS NORTHWEST HEALTH | 290 | $934K |
| Dental | DELTA DENTAL OF WASHINGTON | 174 | $157K |
| Vision | VISION SERVICES PLAN | 147 | $18K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $116K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 86 | $101K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 86 | $101K |
| Prescription drug | ASURIS NORTHWEST HEALTH | 290 | $934K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $116K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.