| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 7600 MINERAL DR STE 450 COEUR D ALENE, ID 83815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE INC | 2925 PALMER SUITE 3 MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $137 | $1K | 7.80% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 55 W 14TH STREET STE 101 HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $87 | $87 | 0.47% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 7600 MINERAL DR STE 450 COUR D ALENE, ID 83815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE INC | 2925 PALMER SUITE 3 MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $658 | $66 | $724 | 7.26% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 55 W. 14TH ST, STE 101 HELENA, MT 59601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $43 | $43 | 0.43% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $19K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.