| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE | — | BLUE CROSS BLUE SHIELD OF MONTANA | $22K | — | $22K | 1.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | — | BLUE CROSS BLUE SHIELD OF MONTANA | $7K | — | $7K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY- PAYNE WEST | P.O. BOX 6127 HELENA, MT 59604 | DELTA DENTAL | $5K | — | $5K | 8.14% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BLVD SUITE 200 COEUR DALENE, ID 83814 | DELTA DENTAL | $1K | — | $1K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAIG URQUHART HUB INTERNATIONAL | 4830 W. KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | DELTA DENTAL | $1K | — | $1K | 1.86% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS SEE ATTACHMENT | — | AFLAC | $7K | $272 | $7K | 14.47% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BLVD SUITE 200 COEUR DALENE, ID 83814 | VISION SERVICE PLAN | $1K | — | $1K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY -PAYNEWEST | PO BOX 6127 HELENA, MT 59604 | VISION SERVICE PLAN | $931 | — | $931 | 8.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAIG URQUHART-HUB INTERNATIONAL | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | VISION SERVICE PLAN | $213 | — | $213 | 1.86% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BLVD SUITE 200 COEUR DALENE, ID 83814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $129 | — | $129 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY | P.O. BOX 6127 HELENA, MT 59604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $129 | — | $129 | 5.00% |
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) | BLUE CROSS BLUE SHIELD OF MONTANA | 213 | $1.2M |
| Dental | DELTA DENTAL | 92 | $67K |
| Vision | VISION SERVICE PLAN | 72 | $11K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 163 | $50K |
| Short-term disability | AFLAC | 66 | $47K |
| Other | AFLAC | 66 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.