| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARYN FREDRICKSON3 | 3440 GRANGER AVENUE S #35 BILLINGS, MT 59102 | AFLAC | $4K | $146 | $4K | 7.82% |
| MR. KIM CUMMINGS3 | PO BOX 21897 BILLINGS, MS 59104 | AFLAC | $654 | $0 | $654 | 1.33% |
| ANDREW G THEIS3 | 2045 OVERLAND AVE 202 BILLINGS, MT 59102 | AFLAC | $544 | $0 | $544 | 1.11% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVE SUITE 202 BILLINGS, MT 59102 | AFLAC | $409 | $10 | $419 | 0.85% |
| JENNIFER D CLARK-NICHOLS3 | 2405 VICK ROAD NEW WAVERLY, TX 77368 | AFLAC | $255 | $78 | $333 | 0.68% |
| JESSICA GAGE TATE3 | 1304 PORTSMOUTH CT COLLEGE STATION, TX 77845 | AFLAC | $183 | $56 | $239 | 0.49% |
| DEANNE M CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $199 | $0 | $199 | 0.41% |
| GERALD R THEIS JR3 | 2048 OVERLAND AVE SUITE 202 BILLINGS, MT 59102 | AFLAC | $177 | $20 | $197 | 0.40% |
| LISA HALL3 | 8601 TURNPIKE DR SUITE 206 WESTMINSTER, CO 77040 | AFLAC | $167 | $29 | $196 | 0.40% |
| SUSAN M KAHN3 | 8625 CUT THROAT DRIVE BILLINGS, MT 59106 | AFLAC | $136 | $0 | $136 | 0.28% |
| DARAN L WYCKOFF3 | 505 N ARGONNE BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $109 | $0 | $109 | 0.22% |
| FINN INTERESTS INC3 | 1802 LAKE MEADOWS CT HOUSTON, TX 77077 | AFLAC | $65 | $22 | $87 | 0.18% |
| CHRISTINA L GREENAMYRE3 | 2020 E GRAND AVE SUITE 435 LARAMIE, WY 82070 | AFLAC | $80 | $4 | $84 | 0.17% |
| MICHAEL A MAYER3 | PO BOX 5625 PASCO, WA 99302 | AFLAC | $72 | $0 | $72 | 0.15% |
| KRISTIE L NOSBISH3 | 1909 31ST AVE SW APT 313 MINOT, ND 58701 | AFLAC | $55 | $10 | $65 | 0.13% |
| RONALD G KRAFT3 | PO BOX 50926 CASPER, WY 82605 | AFLAC | $63 | $0 | $63 | 0.13% |
| BEN JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $61 | $2 | $63 | 0.13% |
| MICHAEL GRASS3 | 21707 KINGSLAND BLVD SUITE 105 KATHY, TX 77450 | AFLAC | $30 | $22 | $52 | 0.11% |
| VICTOR G LEWIS3 | 1860 FM 356 207 RICHMOND, TX 77406 | AFLAC | $51 | $0 | $51 | 0.10% |
| LANA M KLIMEK3 | 2801 BRAZOS BLVD EULESS, TX 76039 | AFLAC | $39 | $0 | $39 | 0.08% |
| JEAN L SAUVAGEAU3 | 45 LEXINGTON DRIVE BILLINGS, MT 59102 | AFLAC | $34 | $0 | $34 | 0.07% |
| KYLE D SULLIVAN3 Filed as: KYLE SULLIVAN | PO BOX 2290 MILLS, WY 82644 | AFLAC | $34 | $0 | $34 | 0.07% |
| MARCO JOE KLIMEK3 | 1501 LYNDON B JOHNSON FWY SUITE 660 DALLAS, TX 75234 | AFLAC | $33 | $0 | $33 | 0.07% |
| KELLY M FLAHERTY SETTLE3 | PO BOX 495 CANYON CREEK, MT 59633 | AFLAC | $30 | $0 | $30 | 0.06% |
| LANCE E SULLIVAN3 | 2105 LAVERS CIRCLE APT 211 DELRAY BEACH, FL 33444 | AFLAC | $26 | $0 | $26 | 0.05% |
| VALORIE R. SMITH3 Filed as: VALORIE R SMITH | 314 W MAPLE ST RAWLINS, WY 82301 | AFLAC | $23 | $2 | $25 | 0.05% |
| CHRISTINE L EBY3 | 3210 TIZER DR HELENA, MT 59602 | AFLAC | $22 | $0 | $22 | 0.04% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL ROAD MANHATTAN, MT 59741 | AFLAC | $11 | $0 | $11 | 0.02% |
| LISA JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $9 | $2 | $11 | 0.02% |
| JAMES R HILL JR3 | 7021 MARSEILLES CT SUMMERFIELD, NC 27358 | AFLAC | $10 | $0 | $10 | 0.02% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE IN | 2048 OERLAND AVE SUITE 202 BILLINGS, MT 59102 | AFLAC | $9 | $0 | $9 | 0.02% |
| MELVIN J ROBERSON3 Filed as: MELVIN ROBERSON | 4014 COLORADO ST TEXARKANA, TX 75503 | AFLAC | $9 | $0 | $9 | 0.02% |
| TIMOTHY PROPP3 | PO BOX 243 CUSTER, MT 59024 | AFLAC | $7 | $0 | $7 | 0.01% |
| MICHAEL GRASS3 | 21707 KINGSLAND DRIVE SUITE 105 KATY, TX 77450 | AFLAC | $3 | $0 | $3 | 0.01% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 49 | $49K |
| Vision | AFLAC | 49 | $49K |
| Life insurance | AFLAC | 49 | $49K |
| Short-term disability | AFLAC | 49 | $49K |
| Long-term disability | AFLAC | 49 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.