| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI FEARON3 | PO BOX 6127 HELENA, MT 59604 | PACIFICSOURCE HEALTH PLANS | $27K | — | $27K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $828 | $166 | $994 | 13.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 3289 GABEL ROAD BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $722 | $96 | $818 | 18.61% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR D ALENE, ID 83814 | USABLE LIFE | $163 | — | $163 | 6.97% |
| 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 | $422 | — | $422 | 19.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 59806 | USABLE LIFE | $211 | — | $211 | 10.00% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR D ALENE, ID 83814 | USABLE LIFE | $60 | — | $60 | 10.08% |
| PEAK 1 ADMINISTRATION LLC3 | 608 NORTHWEST BOULEVARD SUITE 200 COEUR DALENE, ID 83814 | USABLE LIFE | $3 | — | $3 | 3.16% |
| 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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 97 | $540K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 78 | $27K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $12K |
| Long-term disability | USABLE LIFE | 4 | $2K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.