| 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 | $29K | — | $29K | 4.97% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SVCS | PO BOX 2518 BILLINGS, MT 59103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $704 | $103 | $807 | 10.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $695 | $67 | $762 | 15.09% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR DALENE, ID 83814 | USABLE LIFE | $166 | — | $166 | 7.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULSA, MT 59806 | USABLE LIFE | $24 | — | $24 | 1.03% |
| COURTNEY BABCOCK3 | 1780 FAIRVIEW CEMETERY ROAD COLUMBIA FALLS, MT 59912 | USABLE LIFE | $6 | — | $6 | 0.26% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR D ALENE, ID 83814 | USABLE LIFE | $403 | — | $403 | 19.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | USABLE LIFE | $202 | — | $202 | 10.01% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR DALENE, ID 83814 | USABLE LIFE | $60 | — | $60 | 10.08% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR DALENE, ID 83814 | USABLE LIFE | $6 | — | $6 | 6.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | USABLE LIFE | $1 | — | $1 | 1.05% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 89 | $578K |
| Dental(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 230 | $92K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $13K |
| Long-term disability | USABLE LIFE | 4 | $2K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.