| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | 1108 LIVINGSTON AVENUE PO BOX 6127 HELENA, MT 596046127 | BLUE CROSS BLUE SHIELD OF MONTANA | $64K | — | $64K | 3.51% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | UNIVERSITY HEALTH ALLIANCE | $9K | — | $9K | 5.14% |
| PEAK 1 ADMINISTRATION LLC3 Filed as: PEAK 1 ADMINISTRATION, LLC | 7600 MINERAL DR STE 450 COEURDALENE, ID 83815 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | PO BOX 4386 2925 PALMER ST, STE B MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $593 | $3K | 5.35% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 55 W. 14TH ST., STE 101 HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | -$145 | -$145 | -0.29% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 7600 MINERAL DR., STE 450 COEUR D ALENE, ID 83815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$784 | — | -$784 | -1.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | PO BOX 4386 2925 PALMER ST STE B MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $294 | $3K | 7.17% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $803 | — | $803 | 1.78% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 55 W 14TH ST., STE 101 HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | -$151 | -$151 | -0.33% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 7600 MINERAL DR., STE 450 COEUR D ALENE, ID 83815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2K | — | -$2K | -5.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST. STE B PO BOX 4386 MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $244 | $2K | 6.45% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 55 W. 14 ST., STE 101 HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | -$77 | -$77 | -0.27% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 7600 MINERAL DR, STE 450 COEUR D ALENE, ID 83815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$823 | — | -$823 | -2.93% |
| SHANNON L BRITTENHAM3 | 134 W BOWMAN DR KALISPELL, MT 59901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 12.19% |
| JODY L WALK3 | 4071 W LOXTON LOOP COEUR D ALENE, ID 83815 | CONTINENTAL AMERICAN INSURANCE COMPANY | $768 | — | $768 | 2.75% |
| WOITH INSURANCE AGENCY INC3 | 1725 41ST STREET S GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $368 | — | $368 | 1.32% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $273 | — | $273 | 0.98% |
| LISA M HALL3 | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $235 | — | $235 | 0.84% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.18% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.13% |
| CASEY D HOBSON3 | 815 S BRIDGEWAY PLACE STE 100 EAGLE, ID 83616 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST STE B PO BOX 4386 MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $237 | $2K | 9.15% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 55 W 14TH STREET SUITE 101 HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | -$71 | -$71 | -0.32% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 7600 MINERAL DR, STE 450 COEUR D ALENE, ID 83815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$854 | — | -$854 | -3.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 33 VILLAGE LOOP RD KALISPELL, MT 59901 | VISION SERVICES PLAN | $1K | — | $1K | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST STE B HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $321 | $65 | $386 | 2.18% |
| PEAK1 ADMINISTRATION3 | 55 W. 14 ST., STE 101 HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | -$151 | -$151 | -0.85% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 7600 MINERAL DR, STE 450 COEUR D ALENE, ID 83815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$1K | — | -$1K | -6.70% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MONTANA | 409 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 181 | $316K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 126 | $203K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 349 | $73K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $28K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MONTANA | 409 | $2.0M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 349 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.