| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SVCS | PO BOX 2518 BILLINGS, MT 59103 | PACIFICSOURCE HEALTH PLANS | $17K | — | $17K | 2.75% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SVCS | PO BOX 2518 BILLINGS, MT 59103 | PACIFICSOURCE HEALTH PLANS | $2K | — | $2K | 2.83% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE S | 2345 KING AVENUE WEST SUITE E BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 29.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$764 | -$74 | -$838 | -15.49% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE S | 2345 KING AVENUE WEST SUITE E BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $591 | — | $591 | 18.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE INC | 2925 PALMER STREET SUITE B MISSOULA, MT 59806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$279 | -$38 | -$317 | -10.17% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SVCS | 2345 KING AVENUE WEST SUITE E BILLINGS, MT 59102 | AMERITAS LIFE INSURANCE CORP. | $147 | — | $147 | 9.97% |
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 | 81 | 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) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PACIFICSOURCE HEALTH PLANS | 83 | $680K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 36 | $1K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 36 | $1K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $9K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.