| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARYN FREDRICKSON3 | 3440 GRANGER AVENUE SOUTH, SUITE 35 BILLINGS, MT 59102 | AFLAC | $1K | $181 | $2K | — |
| GERALD R THEIS JR3 Filed as: GERALD R. THEIS JR AND OTHER AGENTS | 2048 OVERLAND AVENUE, SUITE 202 BILLINGS, MT 59102 | AFLAC | $886 | $8 | $894 | — |
| MR. KIM CUMMINGS3 | PO BOX 21897 BILLINGS, MS 59104 | AFLAC | $609 | $0 | $609 | — |
| ANDREW G THEIS3 Filed as: ANDREW G. THEIS | 2045 OVERLAND AVENUE, SUITE 202 BILLINGS, MT 59102 | AFLAC | $168 | $36 | $204 | — |
| DEANNE M CUMMINGS3 Filed as: DEANNE M. CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $163 | $0 | $163 | — |
| J THEIS & ASSOCIATES INC3 Filed as: J THEIS & ASSOCIATES, INC. | 2048 OVERLAND AVENUE, SUITE 202 BILLINGS, MT 59102 | AFLAC | $124 | $36 | $160 | — |
| DARAN L WYCKOFF3 Filed as: DARAN L. WYCKOFF | 505 NORTH ARGONNE, BUILDING C SPOKANE VALLEY, WA 99212 | AFLAC | $106 | $0 | $106 | — |
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 | 40 | 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) | 40 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 40 | $0 |
| Vision | AFLAC | 40 | $0 |
| Life insurance | AFLAC | 40 | $0 |
| Short-term disability | AFLAC | 40 | $0 |
| Long-term disability | AFLAC | 40 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40 | — |
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."
No prospect flags tripped on this filing.