| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | — | BLUECROSS BLUESHIELD OF MONTANA | $25K | — | $25K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY, PAYNEWEST INSURANCE | PO BOX 6127 HELENA, MT 59604 | DELTA DENTAL | $7K | — | $7K | 10.00% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BLVD SUITE 200 COEUR D ALENE, ID 83814 | DELTA DENTAL | $1K | — | $1K | 2.00% |
| KARI SCHALIN3 | 3301 WELLS FARGO DRIVE GREAT FALLS, MT 59404 | AFLAC | $2K | $6 | $2K | 4.98% |
| HEIDI HANSEN3 | 12 FOX VALLEY DRIVE ORANGE PARK, FL 32073 | AFLAC | $1K | $29 | $1K | 3.47% |
| JUDITH W MORTENSEN3 | 326 10TH AVENUE SOUTHWEST GREAT FALLS, MT 59404 | AFLAC | $512 | $15 | $527 | 1.71% |
| MELISSA GRAVES3 Filed as: MELISSA A GRAVES | 220 6TH STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $493 | $15 | $508 | 1.65% |
| ROBERTA LOUSIE HOPWOOD3 Filed as: ROBERTA LOUISE HOPWOOD | PO BOX 44 FAIRFIELD, MT 59436 | AFLAC | $360 | — | $360 | 1.17% |
| ROBERT JAMES COOK3 | 235 2ND AVENUE SOUTHEAST DUTTON, MT 59433 | AFLAC | $288 | — | $288 | 0.94% |
| CARLA A MCENTIRE3 | 81 8TH STREET SUITE 12 BELGRADE, MT 59714 | AFLAC | $217 | — | $217 | 0.71% |
| WOITH INSURANCE AGENCY INC3 | 1725 41ST STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $150 | — | $150 | 0.49% |
| JENNY HUTTO3 | 708 ADOBE DRIVE GREAT FALLS, MT 59404 | AFLAC | $129 | — | $129 | 0.42% |
| MARK A LINSNER3 | 153 BLANDING BOULEVARD SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $111 | $6 | $117 | 0.38% |
| LISA M HALL3 | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $93 | — | $93 | 0.30% |
| KRYSTINA S EBERHART3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $81 | $6 | $87 | 0.28% |
| JAMEY MILLER INC3 | 10375 CENTURION PARKWAY NORTH SUITE 100 JACKSONVILLE, FL 32256 | AFLAC | $83 | — | $83 | 0.27% |
| BANYASH & ASSOCIATES INC3 | 11097 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | AFLAC | $78 | — | $78 | 0.25% |
| CRAIG MICHELSEN3 | 1228 25TH AVENUE SOUTHWEST GREAT FALLS, MT 59404 | AFLAC | $76 | — | $76 | 0.25% |
| MARIELLE J DOZIER3 | 594 GURNETT CREEK ROAD TOWNSEND, MT 59644 | AFLAC | $48 | — | $48 | 0.16% |
| THOMAS JAMES OLLER3 | 2410 SOUTHERN LINKS DRIVE FLEMING ISLAND, FL 32003 | AFLAC | $30 | — | $30 | 0.10% |
| TERRI KRENIK3 Filed as: TERRI A KRENIK | 505 26TH AVENUE NORTHEAST GREAT FALLS, MT 59404 | AFLAC | $29 | — | $29 | 0.09% |
| CHRISTINE M SINTAY3 | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | AFLAC | $28 | — | $28 | 0.09% |
| TRACI R BATTEN3 | 216 WEST MAITLAND BOULEVARD MAITLAND, FL 32751 | AFLAC | $27 | — | $27 | 0.09% |
| BARBARA WOITH3 | 1725 41ST STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $25 | — | $25 | 0.08% |
| SHADEL & ASSOCIATES LLC3 | 4811 BEACH BOULEVARD SUITE 107 JACKSONVILLE, FL 32207 | AFLAC | $24 | — | $24 | 0.08% |
| CHRISTINE L EBY3 | 3210 TIZIER DRIVE HELENA, MT 59602 | AFLAC | $18 | — | $18 | 0.06% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DRIVE BOZEMAN, MT 59718 | AFLAC | $17 | — | $17 | 0.06% |
| BETH LUANNE KIMBROUGH3 | 6750 NORTH ANDREWS AVENUE SUITE 200 FT LAUDERDALE, FL 33309 | AFLAC | $14 | — | $14 | 0.05% |
| PHILIP L GREEN3 | 3948 SOUTH THIRD STREET SUITE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $9 | — | $9 | 0.03% |
| PHILIP L GREEN3 | 3948 3RD STREET SOUTH SUITE 175 JACKSONVILLE BEACH, FL 32250 | AFLAC | $6 | — | $6 | 0.02% |
| TROY DANIEL DESLATTE3 | 107 SHADY PARK DRIVE LAFAYETTE, LA 70508 | AFLAC | $6 | — | $6 | 0.02% |
| ROBERT VICTOR WOERNER II3 | 2285 MARSH HAWK LANE APARTMENT 1304 FLEMING ISLAND, FL 32003 | AFLAC | $4 | — | $4 | 0.01% |
| JIMMY LEON JOHNSON3 | 1005 BELLA VISTA BOULEVARD APARTMENT 119 ST AUGUSTINE, FL 32084 | AFLAC | $4 | — | $4 | 0.01% |
| KEGAN NICOLE GONZALEZ3 | 49 SWIMMING PEN DRIVE MIDDLEBURG, FL 32084 | AFLAC | $4 | — | $4 | 0.01% |
| SHADEL & ASSOCIATES LLC3 | 126 HOPKINS STREET NEPTUNE BEACH, FL 32266 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES R MIRABELLI3 | 801 BRINY AVENUE APARTMENT 1403 POMPANO BEACH, FL 33062 | AFLAC | $3 | — | $3 | 0.01% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $2 | — | $2 | 0.01% |
| CECIL T SALMON3 | 95 EDWARD DRIVE PALM COAST, FL 32164 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DRIVE LAS VEGAS, NV 89135 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC G. RICHARDSON3 Filed as: ERIC G RICHARDSON | 1831 SOUTH 45 WEST OREM, UT 84058 | AFLAC | $1 | — | $1 | 0.00% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BOULEVARD #200 COEUR D ALENE, ID 83814 | VISION SERVICE PLAN | $1K | — | $1K | 13.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GINA REILLY, PAYNEWEST INSURANCE | PO BOX 6127 HELENA, MT 59604 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| PEAK1 ADMINISTRATION3 Filed as: PEAK1 ADMINISTRATION LLC | 608 NORTHWEST BOULEVARD SUITE 200 COEUR D ALENE, ID 83814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $306 | — | $306 | 9.99% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 202 | $1.0M |
| Dental | DELTA DENTAL | 92 | $72K |
| Vision | VISION SERVICE PLAN | 72 | $11K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 167 | $34K |
| Short-term disability | AFLAC | 64 | $31K |
| Other | AFLAC | 64 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.