| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LORI FEARON3 | PAYNE WEST 2925 PALMER SUITE B MISSOULA, MT 59801 | MONTANA HEALTH COOPERATIVE | $1K | — | $1K | 1.48% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SVCS | 2345 KING AVENUE WEST SUITE E BILLINGS, MT 59102 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 9.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 6127 HELENA, MT 59604 | AMERITAS LIFE INSURANCE CORP. | $249 | — | $249 | 0.60% |
| HILTON AGENCY CORPORATION3 Filed as: HILTON, GARY, H | 4663 WEST CARRIAGE LANE CEDAR HILLS, UT 84062 | AMERITAS LIFE INSURANCE CORP. | $29 | — | $29 | 0.07% |
| STONE HILL & ASSOC INS BRK INC3 Filed as: STONE HILL NATIONAL | 257 EAST 200 S SUITE 100 SALT LAKE CITY, UT 84111 | AMERITAS LIFE INSURANCE CORP. | $29 | — | $29 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSUANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $764 | $74 | $838 | 16.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $351 | $54 | $405 | 14.28% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MONTANA HEALTH COOPERATIVE | 90 | $83K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 37 | $41K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 37 | $41K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $8K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.