| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERV. | 3390 COLTON DR., SUITE A HELENA, MT 59602 | IHC | $47K | — | $47K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | 2925 PALMER ST, STE B P.O. BOX 4386 MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 13.89% |
| MARCUS J JACKSON3 | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | ASURIS NORTHWEST HEALTH | $4K | — | $4K | 5.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | AIG | $3K | — | $3K | 10.00% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERV. | PO BOX 2518 BILLINGS, MT 591032518 | VISION SERVICE PLAN | $792 | — | $792 | 7.13% |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 253 | $412K |
| Vision | VISION SERVICE PLAN | 265 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 419 | $100K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 419 | $100K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 253 | $412K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | IHC | 253 | $403K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 419 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.
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.