| 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 | $26K | $36 | $27K | 19.77% |
| MOUNTAIN WEST BENEFIT SOLUTIONS3 | 3390 COLTON DR, STE A HELENA, MT 59602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $437 | $9K | 15.75% |
| PEAK 1 ADMINISTRATION LLC3 Filed as: PEAK 1 ADMINISTRATION | 608 NORTHWEST BLVD STE 200 COEUR DALENE, ID 83814 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 21.72% |
| MOUNTAIN WEST BENEFIT SOLUTIONS3 | 3390 COLTON DR, STE A HELENA, MT 59602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $94 | $2K | 15.75% |
| PEAK 1 ADMINISTRATION LLC3 Filed as: PEAK 1 ADMINISTRATION | 608 NORTHWEST BLVD STE 200 COEUR DALENE, ID 83814 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 19.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDIMPACT EIN 33-0567651 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $63K |
| STATE BAR OF MONTANA EIN 81-0351903 PROFESSIONAL ASSOCIATION | Contract Administrator Service code 13 | — | $49K |
| LEAVITT GREAT WEST CONSULTANT | Consulting (general) Service code 16 | 3390 COLOTON DR., STE. A HELENA, MT 59601 | $19K |
| WIPFLI, LLP EIN 39-0758449 AUDITOR | Accounting (including auditing) Service code 10 | — | $15K |
| ALLIED INVESTMENT ADVISORS EIN 45-3171273 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | 1648 POLY DRIVE, STE 102 BILLINGS, MT 59102 | $15K |
| BANCSERVE, INC. EIN 81-0434481 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $14K |
| CMC CONSULTING EIN 47-4131554 CONSULTANT | Other services; Consulting (general) Service code 16 | — | $9K |
| GARY RICHARDS INSURANCE BROKER | Insurance brokerage commissions and fees Service code 53 | PO BOX 20153 BILLINGS, MT 59104 | $7K |
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 | 524 | 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) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICES PLAN | 0 | $3K |
| Life insurance(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 212 | $32K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $19K |
| Long-term disability(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 21 | $20K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.