| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | — | BLUE CROSS BLUE SHIELD OF MONTANA | $25K | — | $25K | 4.98% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SVCS P | BOX 2518 BILLINGS, MT 59103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $814 | — | $814 | 3.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE INC | PO BOX 4386 2925 PALMER SUITE 3 MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $663 | $133 | $796 | 12.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 1108 LIVINGSTON STREET HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $891 | $119 | $1K | 18.24% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR DALENE, ID 83814 | USABLE LIFE | $331 | — | $331 | 9.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59912 | USABLE LIFE | $28 | — | $28 | 0.79% |
| COURTNEY BABCOCK3 | 1780 FAIRVIEW CEMETERY ROAD COLUMBIA FALLS, MT 59912 | USABLE LIFE | $7 | — | $7 | 0.20% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BOULEVARD SUITE 200 HELENA, ID 83814 | USABLE LIFE | $577 | — | $577 | 21.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 1108 LIVINGSTON STREET HELENA, MT 59601 | USABLE LIFE | $117 | — | $117 | 4.42% |
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 | 90 | $511K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 66 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $6K |
| Long-term disability | USABLE LIFE | 5 | $3K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
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.