| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERVIC | 2345 KING AVE W STE A BILLINGS, MT 59103 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 5.00% |
| UNITED BENEFIT ADVISORS NW LLC3 Filed as: UNITED BENEFIT ADVISORS NORTHWEST | 7632 SW DURHAM ROAD STE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 2.50% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERVIC | 3390 COLTON DRIVE STE A HELENA, MT 59602 | LIFEMAP ASSURANCE COMPANY | $6K | — | $6K | 6.42% |
| PHILIP FLIKKEMA3 | 7175 CHURCHILL ROAD MANHATTAN, MT 59741 | LIFEMAP ASSURANCE COMPANY | $4K | — | $4K | 3.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBMS EIN 81-0391256 NONE | Claims processing Service code 12 | PO BOX 21367 BILLINGS, MT 59104 | $164K |
| LEAGUE SERVICE GROUP EIN 81-0605864 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 101 N RODNEY HELENA, MT 59601 | $52K |
| LEAVITT GROUP EIN 57-1195029 NONE | Consulting (general) Service code 16 | 3390 COLTON DRIVE, STE A HELENA, MT 59602 | $48K |
| JCCS BENEFIT CONSULTING GROUP EIN 81-0348775 NONE | Contract Administrator Service code 13 | 501 PARK DRIVE SOUTH GREAT FALLS, MT 59403 | $39K |
| 8 PILLARS, LLC EIN 45-1544590 NONE | Consulting (general) Service code 16 | 4134 W VIEW POINTE DRIVE HIGHLAND, UT 84003 | $22K |
| RESILIENT HEALTH & PRODUCTIVITY LLC EIN 46-3594615 NONE | Investment management Service code 28 | 2015 CHARLOTTE STREED SUITE 2 BOZEMAN, MT 59718 | $20K |
| TERRY MCGUINNESS NONE | Insurance agents and brokers Service code 22 | PO BOX 50606 BILLINGS, MT 59105 | $9K |
| DOUGLAS WILSON AND COMPANY P.C. EIN 81-0446334 NONE | Accounting (including auditing) Service code 10 | PO BOX 2845 GREAT FALLS, MT 59403 | $9K |
| MIKE QUESENBERRY NONE | Insurance agents and brokers Service code 22 | PO BOX 942 LIVINGSTON, MT 59047 | $9K |
| STEVE MARIANI NONE | Insurance agents and brokers Service code 22 | PO BOX 1388 HAVRE, MT 59501 | $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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 418 | $12K |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 252 | $101K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 252 | $101K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.