| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INS SVCS LLC | 2345 KING AVE W STE A BILLINGS, MT 59102 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE | PO BOX 2518 BILLINGS, MT 591032518 | VSP | $396 | — | $396 | 3.47% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL RD MANHATTAN, MT 59741 | AFLAC | $257 | — | $257 | 5.54% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERVIC | 2345 KING AVE W STE A BILLINGS, MT 59102 | AFLAC | $115 | — | $115 | 2.48% |
| SHAWN D SYVERSON3 | 81 8TH ST STE A BELGRADE, MT 59714 | AFLAC | $92 | — | $92 | 1.98% |
| CARLA A MCENTIRE3 | 81 8TH ST STE 12 BELGRADE, MT 59714 | AFLAC | $57 | — | $57 | 1.23% |
| PEAK 1 ADMINISTRATION LLC3 Filed as: PEAK 1 ADMINISTRATION, LLC | 7600 MINERAL DRIVE SUITE 450 COEUR DALENE, ID 83815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $693 | — | $693 | 20.01% |
| EBMS5 | 2075 OVERLAND AVE BILLINGS, MT 59102 | EBMS RE/BENCHMARK INSURANCE CO | $0 | $81K | $81K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MONTANA NONPROFIT ASSOCIATION EIN 73-1654969 PLAN SPONSOR | Other fees Service code 99 | — | $12K |
| HEALTHSERVE CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1 N LAST CHANCE GULCH STE 4 HELENA, MT 59601 | $11K |
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 | 531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 62 | $12K |
| Vision | VSP | 457 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $3K |
| Short-term disability | AFLAC | 5 | $5K |
| Stop-loss / reinsurancereinsurance | EBMS RE/BENCHMARK INSURANCE CO | 589 | $0 |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.