| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOUNTAIN WEST BENEFIT SOLUTIONS3 | 3390 COLTON DR STE A HELENA, MT 59602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 19.87% |
| MOUNTAIN WEST BENEFIT SOLUTIONS3 | 3390 COLTON DR HELENA, MT 59602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
| LEAVITT GROUP3 Filed as: JIM EDWARDS, LEAVITT GREAT WEST INS | 2435 KING AVE STE B BILLINGS, MT 59102 | VISION SERVICES PLAN | $7K | — | $7K | 17.04% |
| MOUNTAIN WEST BENEFIT SOLUTIONS3 | 3390 COLTON DR HELENA, MT 59602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| PEAK 1 ADMINISTRATION LLC3 Filed as: PEAK 1 ADMINISTRATION | 7600 MINERAL DR #450 COEUR DALENE, ID 83815 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 26.45% |
| PEAK 1 ADMINISTRATION LLC3 Filed as: PEAK 1 ADMINISTRATION | 7600 MINERAL DR #450 COEUR DALENE, ID 83815 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 25.43% |
| PEAK 1 ADMINISTRATION LLC3 Filed as: PEAK 1 ADMINISTRATION | 7600 MINERAL DR #450 COEUR DALENE, ID 83815 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $336 | — | $336 | 33.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MONTANA EIN 81-0216685 CONTRACT ADMINISTRATOR | Contract Administrator; Insurance services Service code 13 | — | $4.3M |
| MEDIMPACT EIN 33-0567651 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $1.2M |
| LEAVITT GREAT WEST CONSULTANT | Consulting (general) Service code 16 | 3390 COLOTON DR., STE. A HELENA, MT 59601 | $139K |
| GARY RICHARDS INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | PO BOX 20153 BILLINGS, MT 59104 | $88K |
| STATE BAR OF MONTANA EIN 81-0351903 PROFESSIONAL ASSOCIATION | Contract Administrator Service code 13 | — | $77K |
| BANCSERVE, INC. EIN 81-0434481 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $57K |
| ALLIED INVESTMENT ADVISORS EIN 45-3171273 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 1648 POLY DRIVE, STE 102 BILLINGS, MT 59102 | $37K |
| PATTERSON INSURANCE AGENCY INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 104 2ND ST S 200 GREAT FALLS, MT 59403 | $35K |
| IT STARTS WITH ME EMPLOYEE HEALTH P EIN 20-1378738 HEALTH ADVISOR | Other services Service code 49 | — | $31K |
| ALLIED ADMINISTRATORS CONSULTANT | Consulting (general); Other services Service code 16 | 825 BATTERY STREET SAN FRANCISCO, CA 94111 | $27K |
| GALUSHA, HIGGINS & GALUSHA, PC EIN 81-0272932 AUDITOR | Accounting (including auditing) Service code 10 | — | $15K |
| MONTANA STATE AUDITORS OFFICE STATE AUDITOR | Accounting (including auditing) Service code 10 | 840 HELENA AVE HELENA, MT 59601 | $12K |
| BERN & PUGH, INC INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 1000 25TH ST N GREAT FALLS, MT 59401 | $11K |
| DBMS HEALTH SERVICES, LLC EIN 35-1916286 HEALTHCARE ADVISOR | Other fees Service code 99 | 5975 NORTH CASTLE PARKWAY STE. 465 INDIANAPOLIS, IN 46250 | $6K |
| MCCARTHY LAW LEGAL SERVICES | Legal Service code 29 | 1940 DEWEY BLVD BUTTE, MT 59701 | $6K |
| JACOBY & DEE INSURANCE INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 931 N LAST CHANCE GULCH HELENA, MT 59601 | $6K |
| MAYNARD MCQUISTION INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | 1905 STADIUM DR BOZEMAN, MT 59715 | $5K |
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 | 647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICES PLAN | 647 | $39K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 656 | $52K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 656 | $39K |
| Long-term disability(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 22 | $19K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 642 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 656 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.