| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBMS5 | 2075 OVERLAND AVE BILLINGS, MT 59102 | EBMS RE/BENCHMARK INSURANCE CO. | — | — | $0 | 0.00% |
| PEAK 1 ADMINISTRATION LLC3 Filed as: PEAK 1 ADMINISTRATION, LLC | 508 NW BLVD STE 200 COEUR DALENE, ID 83814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 18.07% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INS SVCS LLC | 2345 KING AVE W STE A BILLINGS, MT 59102 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE | PO BOX 2518 BILLINGS, MT 591032518 | VISION SERVICE PLAN | $1K | — | $1K | 4.79% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL RD MANHATTAN, MT 59741 | AFLAC | $257 | — | $257 | 6.02% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERVIC | 2345 KING AVE W STE A BILLINGS, MT 59102 | AFLAC | $113 | — | $113 | 2.65% |
| SHAWN D SYVERSON3 | 81 8TH ST STE 12 BELGRADE, MT 59714 | AFLAC | $91 | — | $91 | 2.13% |
| CARLA A MCENTIRE3 Filed as: CARLA MCENTIRE | 81 8TH ST STE 12 BELGRADE, MT 59714 | AFLAC | $58 | — | $58 | 1.36% |
| CASEY DALE HOBSON3 | 13320 W REDNECK DR BOISE, ID 83713 | AFLAC | $9 | — | $9 | 0.21% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $7 | — | $7 | 0.16% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE | PO BOX 2518 BILLINGS, MT 591032518 | VISION SERVICE PLAN | $104 | — | $104 | 9.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MONTANA NONPROFIT ASSOCIATION EIN 73-1654969 PLAN SPONSOR | Other fees Service code 99 | — | $35K |
| HEALTHSERVE CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1 N LAST CHANCE GULCH STE 4 HELENA, MT 59601 | $28K |
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 | 609 | 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) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 54 | $28K |
| Vision(2 contracts) | VISION SERVICE PLAN | 304 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $35K |
| Short-term disability | AFLAC | 4 | $4K |
| Stop-loss / reinsurancereinsurance | EBMS RE/BENCHMARK INSURANCE CO. | 859 | $626K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 81 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.