| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERV | 3390 COLTON DR STE A HELENA, MT 59602 | BENCHMARK INSURANCE CO | $34K | — | $34K | 10.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INS SERVICE | 2345 KING AVENUE WEST SUITE A BILLINGS, MT 59103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.44% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERVIC | 3390 COLTON DRIVE, STE A HELENA, MT 59602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $496 | $10K | 14.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER ST STE B MISSOULA, MT 59808 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $381 | — | $381 | 2.19% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE S | 3390 COLTON DRIVE STE A HELENA, MT 59602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $704 | $53 | $757 | 10.91% |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $183K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $183K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $73K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 71 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $66K |
| Prescription drug | BENCHMARK INSURANCE CO | 267 | $339K |
| Stop-loss / reinsurancereinsurance | BENCHMARK INSURANCE CO | 267 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.