| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 1108 LIVINGSTON STREET HELENA, MT 59601 | BLUE CROSS BLUE SHIELD OF MONTANA | $30K | — | $30K | 4.82% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SVCS | PO BOX 2518 BILLINGS, MT 59103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $835 | — | $835 | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE INC | 1108 LIVINGSTON STREET HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $647 | $129 | $776 | 10.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 1108 LIVINSGTON STREET HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $862 | $115 | $977 | 15.55% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR DALENE, ID 83814 | USABLE LIFE | $260 | — | $260 | 7.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | USABLE LIFE | $25 | — | $25 | 0.71% |
| COURTNEY BABCOCK3 Filed as: COURTNEY BAABCOCK | 1780 FAIRVIEW CEMETERY ROAD COLUMBIA FALLS, MT 59912 | USABLE LIFE | $6 | — | $6 | 0.17% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR D ALENE, ID 83814 | USABLE LIFE | $457 | — | $457 | 19.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 1108 LIVINGSTON STREET HELENA, MT 59601 | USABLE LIFE | $229 | — | $229 | 10.02% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 100 | $616K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 69 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $7K |
| Short-term disability | USABLE LIFE | 5 | $2K |
| Long-term disability | USABLE LIFE | 5 | $2K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.