| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 1108 LIVINGSTON AVENUE HELENA, MT 59604 | BLUECROSS BLUESHIELD OF MONTANA | $25K | — | $25K | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY, PAYNEWEST INSURANCE | PO BOX 6127 HELENA, MT 59604 | DELTA DENTAL | $6K | — | $6K | 10.00% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BLVD SUITE 200 COEUR D ALENE, ID 83814 | DELTA DENTAL | $1K | — | $1K | 2.00% |
| JUDITH W MORTENSEN3 Filed as: JUDITH MORTENSEN | 326 10TH AVENUE SOUTHWEST GREAT FALLS, MT 59404 | AFLAC | $1K | $16 | $1K | 2.90% |
| HEIDI HANSEN3 | 12 FOX VALLEY DRIVE ORANGE PARK, FL 32073 | AFLAC | $977 | $23 | $1K | 2.60% |
| MELISSA GRAVES3 | 220 6TH STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $922 | $20 | $942 | 2.45% |
| KARI SCHALIN3 | 3301 WELLS FARGO DRIVE GREAT FALLS, MT 59404 | AFLAC | $460 | $11 | $471 | 1.22% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT COOK | 235 2ND AVENUE SOUTHEAST DUTTON, MT 59433 | AFLAC | $460 | — | $460 | 1.20% |
| CRAIG MICHELSEN3 | 1228 25TH AVENUE SOUTHWEST GREAT FALLS, MT 59404 | AFLAC | $332 | $8 | $340 | 0.88% |
| WOITH INSURANCE AGENCY INC3 | 1725 41ST STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $255 | — | $255 | 0.66% |
| LISA HALL3 | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $147 | — | $147 | 0.38% |
| BANYASH & ASSOCIATES INC3 | 4811 BEACH BOULEVARD SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $144 | — | $144 | 0.37% |
| JAMEY MILLER INC3 | 4811 BEACH BOULEVARD SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $134 | $4 | $138 | 0.36% |
| MARK A LINSNER3 Filed as: MARK LINSNER | 153 BLANDING BOULEVARD SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $69 | — | $69 | 0.18% |
| THOMAS JAMES OLLER3 Filed as: THOMAS OLLER | 49 SWIMMING PEN DRIVE MIDDLEBURG, FL 32068 | AFLAC | $46 | — | $46 | 0.12% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE SINTAY | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | AFLAC | $45 | — | $45 | 0.12% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 216 MAITLAND AVENUE MAITLAND, FL 32701 | AFLAC | $44 | — | $44 | 0.11% |
| BARBARA WOITH3 | 1725 41ST STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $43 | — | $43 | 0.11% |
| TERRI KRENIK3 | 505 26TH AVENUE NORTHEAST GREAT FALLS, MT 59404 | AFLAC | $40 | — | $40 | 0.10% |
| SHADEL & ASSOCIATES LLC3 | 4811 BEACH BOULEVARD SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $32 | — | $32 | 0.08% |
| ERIC G. RICHARDSON3 Filed as: ERIC RICHARDSON | 1831 SOUTH 45 WEST OREM, UT 84058 | AFLAC | $19 | $12 | $31 | 0.08% |
| JAMES PORTER3 | 223 STILLWATER CREEK DRIVE BOZEMAN, MT 59718 | AFLAC | $28 | — | $28 | 0.07% |
| BETH LUANNE KIMBROUGH3 Filed as: BETH KIMBROUGH | 6750 NORTH ANDREWS AVENUE SUITE 200 FT LAUDERDALE, FL 33309 | AFLAC | $23 | — | $23 | 0.06% |
| TROY DANIEL DESLATTE3 Filed as: TROY DESLATTE | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC | $12 | — | $12 | 0.03% |
| KEGAN NICOLE GONZALEZ3 Filed as: KEGAN GONZALEZ | 49 SWIMMING PEN DRIVE MIDDLEBURG, FL 32068 | AFLAC | $10 | — | $10 | 0.03% |
| ROBERT VICTOR WOERNER II3 Filed as: ROBERT WOERNER II | 2285 MARSH HAWK LANE APARTMENT 1304 FLEMING ISLAND, FL 32003 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES R MIRABELLI3 Filed as: JAMES MIRABELLI | 99 SOUTHWEST MIZNER BOULEVARD APARTMENT 843 BOCA RATON, FL 33432 | AFLAC | $6 | — | $6 | 0.02% |
| JIMMY LEON JOHNSON3 Filed as: JIMMY JOHNSON | 28 MAGNOLIA AVENUE ST AUGUSTINE, FL 32084 | AFLAC | $6 | — | $6 | 0.02% |
| DAWN D SHEUE3 Filed as: DAWN SHEUE | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $4 | — | $4 | 0.01% |
| CECIL SALMON3 | 95 EDWARD DRIVE PALM COAST, FL 32164 | AFLAC | $2 | — | $2 | 0.01% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | AFLAC | $2 | — | $2 | 0.01% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BOULEVARD #200 COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $1K | — | $1K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY, PAYNEWEST INSURANCE | PO BOX 6127 HELENA, MT 59604 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY | PAYNEWEST PO BOX 6127 HELENA, MT 59604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | — | $155 | 5.01% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 608 NORTHWEST BOULEVARD #200 COEUR D ALENE, ID 83814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | — | $155 | 5.01% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 198 | $1.1M |
| Dental | DELTA DENTAL | 95 | $65K |
| Vision | VISION SERVICE PLAN | 76 | $10K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 165 | $42K |
| Short-term disability | AFLAC | 72 | $38K |
| Other | AFLAC | 72 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.