| 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 | $31K | — | $31K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY, PAYNEWEST INSURANCE | 2925 PALMER ST STE B MISSOULA, MT 59806 | PEAK1 ADMINISTRATION, LLC | $9K | — | $9K | 10.00% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BLVD STE 200 COEUR D ALENE, ID 83814 | PEAK1 ADMINISTRATION, LLC | $2K | — | $2K | 2.00% |
| HEIDI HANSEN3 | 12 FOX VALLEY DRIVE ORANGE PARK, FL 32073 | AFLAC | $3K | $157 | $3K | 4.93% |
| MELISSA GRAVES3 Filed as: MELISSA A GRAVES | 220 6TH ST S GREAT FALLS, MT 59405 | AFLAC | $2K | $78 | $2K | 3.56% |
| JUDITH W MORTENSEN3 | 326 10TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $2K | $80 | $2K | 3.54% |
| KARI SCHALIN3 | 3301 WELLS FARGO DRIVE GREAT FALLS, MT 59404 | AFLAC | $973 | $32 | $1K | 1.56% |
| ERIC G. RICHARDSON3 Filed as: ERIC G RICHARDSON | 4851 W MOUNTAIN PARK CIR WEST JORDAN, UT 84081 | AFLAC | $846 | $1 | $847 | 1.31% |
| ROBERT JAMES COOK3 | 750 6TH STREET SOUTHWEST SUITE 204 GREAT FALLS, MT 59404 | AFLAC | $651 | — | $651 | 1.01% |
| JAMEY MILLER INC3 | 4811 BEACH BOULEVARD SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $526 | $31 | $557 | 0.86% |
| WOITH INSURANCE AGENCY INC3 | 1725 41ST ST S GREAT FALLS, MT 59405 | AFLAC | $363 | — | $363 | 0.56% |
| CRAIG MICHELSEN3 | 1228 25TH AVENUE SOUTHWEST GREAT FALLS, MT 59404 | AFLAC | $312 | $11 | $323 | 0.50% |
| TRACI R BATTEN3 | 5009 HIGH POINT RD STE 201 GREENSBORO, NC 27407 | AFLAC | $235 | $31 | $266 | 0.41% |
| SHADEL & ASSOCIATES LLC3 | 4811 BEACH BOULEVARD SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $265 | — | $265 | 0.41% |
| JOHN S MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $212 | $3 | $215 | 0.33% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $123 | — | $123 | 0.19% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $76 | — | $76 | 0.12% |
| BARBARA WOITH3 | 1725 41ST ST S GREAT FALLS, MT 59405 | AFLAC | $70 | — | $70 | 0.11% |
| KEGAN NICOLE GONZALEZ3 | 3432 STEELGATE CT MIDDLEBURG, FL 32068 | AFLAC | $67 | — | $67 | 0.10% |
| THOMAS J OLLER3 | 2010 COPPER CREEK DRIVE UNIT C FLEMING ISLAND, FL 32003 | AFLAC | $57 | — | $57 | 0.09% |
| TERRI KRENIK3 Filed as: TERRI A KRENIK | 505 26TH AVE NE GREAT FALLS, MT 59404 | AFLAC | $51 | — | $51 | 0.08% |
| RYAN S SHADEL3 | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $41 | — | $41 | 0.06% |
| BETH LUANNE KIMBROUGH3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FT LAUDERDALE, FL 33309 | AFLAC | $36 | — | $36 | 0.06% |
| ROBERT VICTOR WOERNER II3 | 1548 WATERBRIDGE COURT FLEMING ISLAND, FL 32003 | AFLAC | $35 | — | $35 | 0.05% |
| CHRISTINE M SINTAY3 | PO BOX 540246 GREENACRES, FL 33454 | AFLAC | $29 | — | $29 | 0.04% |
| THOMAS JAMES OLLER3 | 49 SWIMMING PEN DR MIDDLEBURG, FL 32068 | AFLAC | $29 | — | $29 | 0.04% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC | $22 | — | $22 | 0.03% |
| RICHARD CORNWELL3 | PO BOX 287 LAKEVIEW, OR 97630 | AFLAC | $21 | — | $21 | 0.03% |
| CHRISTINE M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $21 | — | $21 | 0.03% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $9 | — | $9 | 0.01% |
| BANYASH & ASSOCIATES INC3 | 10175 FORTUNE PKWY UNIT 604 JACKSONVILLE, FL 32207 | AFLAC | $4 | — | $4 | 0.01% |
| BANYASH & ASSOCIATES INC3 | 4811 BEACH BLVD SE 107 JACKSONVILLE, FL 32207 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES R MIRABELLI3 | 99 SW MIZNER BLVD APT 843 BOCA RATON, FL 33432 | AFLAC | $2 | — | $2 | 0.00% |
| JIMMY LEON JOHNSON3 | 28 MAGNOLIA AVE ST AUGUSTINE, FL 32084 | AFLAC | $2 | — | $2 | 0.00% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $1 | — | $1 | 0.00% |
| CECIL T SALMON3 | 1400 COOLIDGE ST HOLLYWOOD, FL 33020 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.00% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION, LLC | 7600 MINERAL DR STE 450 COEUR D ALENE, ID 83815 | PEAK1 ADMINISTRATION, LLC | $2K | — | $2K | 13.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY, PAYNEWEST INSURANCE | 2925 PALMER ST STE B MISSOULA, MT 59806 | PEAK1 ADMINISTRATION, LLC | $1K | — | $1K | 10.00% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 7600 MINERAL DRIVE SUITE 450 COEUR D ALENE, ID 83815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $371 | — | $371 | 11.01% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 55 WEST 14TH STREET SUITE 101 HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3 | $3 | 0.09% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 232 | $1.3M |
| Dental | PEAK1 ADMINISTRATION, LLC | 95 | $90K |
| Vision | PEAK1 ADMINISTRATION, LLC | 76 | $13K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 157 | $68K |
| Short-term disability | AFLAC | 89 | $65K |
| Other | AFLAC | 89 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.