| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | 1108 LIVINGSTON AVENUE HELENA, MT 59604 | BLUECROSS BLUESHIELD OF MONTANA | $29K | $1 | $29K | 2.43% |
| AVMAX MONTANA, INC.3 | 1930 AIRPORT COURT GREAT FALLS, MT 59404 | BLUECROSS BLUESHIELD OF MONTANA | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY, PAYNEWEST INSURANCE | 2925 PALMER ST STE B MISSOULA, MT 59806 | PEAK1 ADMINISTRATION, LLC | $7K | — | $7K | 10.00% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BLVD STE 200 COEUR D ALENE, ID 83814 | PEAK1 ADMINISTRATION, LLC | $2K | — | $2K | 2.09% |
| HEIDI HANSEN3 | 12 FOX VALLEY DRIVE ORANGE PARK, FL 32073 | AFLAC | $2K | $144 | $2K | 4.96% |
| JUDITH W MORTENSEN3 | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $2K | $104 | $2K | 3.95% |
| MELISSA GRAVES3 Filed as: MELISSA A GRAVES | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $2K | $111 | $2K | 3.54% |
| ROBERT JAMES COOK3 | 750 6TH STREET SOUTHWEST SUITE 204 GREAT FALLS, MT 59404 | AFLAC | $610 | — | $610 | 1.29% |
| KARI SCHALIN3 | 3301 WELLS FARGO DRIVE GREAT FALLS, MT 59404 | AFLAC | $476 | $35 | $511 | 1.08% |
| JAMEY MILLER INC3 | 4811 BEACH BOULEVARD SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $438 | $36 | $474 | 1.00% |
| WOITH INSURANCE AGENCY INC3 | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $411 | $28 | $439 | 0.93% |
| HEIDI HANSEN3 | 3659 WESTOVER ROAD FLEMING ISLAND, FL 32003 | AFLAC | $291 | $35 | $326 | 0.69% |
| MELISSA GRAVES3 Filed as: MELISSA A GRAVES | 2709 6TH STREET NORTHEAST GREAT FALLS, MT 59404 | AFLAC | $282 | $32 | $314 | 0.66% |
| TRACI R BATTEN3 Filed as: TRACI R PETERS | 4916 BLACKHAWK DRIVE SAINT JOHNS, FL 32259 | AFLAC | $285 | $21 | $306 | 0.65% |
| LISA HALL3 | 8601 TURNPIKE DRIVE SUITE 206 WESTMINSTER, CO 80031 | AFLAC | $230 | $28 | $258 | 0.54% |
| BETH LUANNE KIMBROUGH3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FT LAUDERDALE, FL 33309 | AFLAC | $119 | $36 | $155 | 0.33% |
| BARBARA WOITH3 | 1725 41ST STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $128 | $24 | $152 | 0.32% |
| RYAN S SHADEL3 | 4811 BEACH BOULEVARD SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $129 | — | $129 | 0.27% |
| THOMAS J OLLER3 | 2010 COPPER CREEK DRIVE UNIT C FLEMING ISLAND, FL 32003 | AFLAC | $99 | $15 | $114 | 0.24% |
| KEGAN NICOLE GONZALEZ3 | 3068 VALKYRIE ROAD MIDDLEBURG, FL 32068 | AFLAC | $101 | — | $101 | 0.21% |
| CRAIG MICHELSEN3 | 1228 25TH AVENUE SOUTHWEST GREAT FALLS, MT 59404 | AFLAC | $51 | — | $51 | 0.11% |
| ROBERT VICTOR WOERNER II3 | 1548 WATERBRIDGE COURT FLEMING ISLAND, FL 32003 | AFLAC | $49 | — | $49 | 0.10% |
| TERRI KRENIK3 Filed as: TERRI A KRENIK | 505 26TH AVENUE NORTHEAST GREAT FALLS, MT 59404 | AFLAC | $47 | — | $47 | 0.10% |
| CHRISTINE M SINTAY3 | 6801 LAKE WORTH ROAD SUITE 113 LAKE WORTH, FL 33467 | AFLAC | $37 | — | $37 | 0.08% |
| TENLEE G ATCHISON3 | 2731 CARMEL DRIVE GREAT FALLS, MT 59404 | AFLAC | $32 | — | $32 | 0.07% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC | $21 | — | $21 | 0.04% |
| TIMOTHY R INGRAHAM3 | PO BOX 1028 TOWNSEND, MT 59644 | AFLAC | $8 | $4 | $12 | 0.03% |
| RYAN S SHADEL3 | 4235 MARSH LANDING BOULEVARD APARTMENT 425 JACKSONVILLE BEACH, FL 32250 | AFLAC | $8 | — | $8 | 0.02% |
| JOHN S MICHELSEN3 | 1228 25TH AVENUE SOUTHWEST GREAT FALLS, MT 59404 | AFLAC | $4 | — | $4 | 0.01% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION, LLC | 7600 MINERAL DR STE 450 COEUR D ALENE, ID 83815 | PEAK1 ADMINISTRATION, LLC | $2K | — | $2K | 12.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY, PAYNEWEST INSURANCE | 2925 PALMER ST STE B MISSOULA, MT 59806 | PEAK1 ADMINISTRATION, LLC | $1K | — | $1K | 9.39% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 7600 MINERAL DRIVE SUITE 450 COEUR D ALENE, ID 83815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $357 | — | $357 | 9.80% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 55 WEST 14TH STREET SUITE 101 HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $28 | $28 | 0.77% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 264 | $1.2M |
| Dental | PEAK1 ADMINISTRATION, LLC | 135 | $74K |
| Vision | PEAK1 ADMINISTRATION, LLC | 113 | $14K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 270 | $51K |
| Short-term disability | AFLAC | 112 | $47K |
| Other | AFLAC | 112 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.