| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARYN FREDRICKSON3 Filed as: DARYN JAMES FREDRICKSON | 3211 DURLAND DR BILLINGS, MT 59102 | AFLAC | $0 | $286 | $286 | 2.93% |
| MR. KIM CUMMINGS3 | PO BOX 21897 BILLINGS, MS 59104 | AFLAC | $0 | $229 | $229 | 2.35% |
| HEIDI DIGHANS3 | PO BOX 1016 BAKER, MT 59313 | AFLAC | $0 | $91 | $91 | 0.93% |
| DEANNE M CUMMINGS3 | 1739 PARKHILL DR BILLINGS, MT 59102 | AFLAC | $0 | $83 | $83 | 0.85% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DRIVE LAUREL, MT 59044 | AFLAC | $0 | $55 | $55 | 0.56% |
| ANDREW G THEIS3 | 2685 PALMER ST STE E MISSOULA, MT 59808 | AFLAC | $0 | $51 | $51 | 0.52% |
| DUANE J BINSTOCK3 | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $0 | $43 | $43 | 0.44% |
| KRISTIE L NOSBISH3 | 1909 31ST AVE SW, APT 313 MINOT, ND 58701 | AFLAC | $0 | $31 | $31 | 0.32% |
| DEANNE M CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $0 | $29 | $29 | 0.30% |
| KELLY M FLAHERTY SETTLE3 | PO BOX 495 CANYON CREEK, MT 59633 | AFLAC | $0 | $26 | $26 | 0.27% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE IN | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $0 | $25 | $25 | 0.26% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 1601 LEWIS AVE SUITE 216 BILLINGS, MT 59102 | AFLAC | $0 | $22 | $22 | 0.23% |
| CHRISTINE L EBY3 | 3210 TIZER DR HELENA, MT 59602 | AFLAC | $0 | $19 | $19 | 0.19% |
| DARAN L WYCKOFF3 | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $0 | $17 | $17 | 0.17% |
| LEAVITT GROUP3 Filed as: LEAVITT GREAT WEST INSURANCE SERVIC | 2345 KING AVE W SUITE A BILLINGS, MT 59102 | AFLAC | $0 | $13 | $13 | 0.13% |
| LISA HALL3 | 686 W MOGUL LOOP, APT 102 HAYDEN, ID 86835 | AFLAC | $0 | $13 | $13 | 0.13% |
| FLIKKEMA INSURANCE INC3 | 7175 CHRUCHILL RD MANHATTAN, MT 59741 | AFLAC | $0 | $9 | $9 | 0.09% |
| SUSAN M KAHN3 | 8625 CUT THROAT DRIVE BILLINGS, MT 59106 | AFLAC | $0 | $8 | $8 | 0.08% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $0 | $7 | $7 | 0.07% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $0 | $6 | $6 | 0.06% |
| JAMES R HILL JR3 | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $0 | $6 | $6 | 0.06% |
| GERALD R THEIS JR3 | 505 ROUNDHOUSE DRIVE LAUREL, MT 59044 | AFLAC | $0 | $5 | $5 | 0.05% |
| TAMARA A BUSHNELL3 | 1402 CAYUSE RD HELENA, MT 59602 | AFLAC | $0 | $5 | $5 | 0.05% |
| JAMES PORTER3 | 223 STILLWATER CREEK DRIVE BOZEMAN, MT 59718 | AFLAC | $0 | $3 | $3 | 0.03% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $0 | $3 | $3 | 0.03% |
| LOREN SAMPSON3 | 7230 RAVEN RD HELENA, MT 59602 | AFLAC | $0 | $1 | $1 | 0.01% |
| VERNON LINDSTRAND3 Filed as: VERNON BUCK LINDSTRAND | 3908 16TH AVE SOUTH GREAT FALLS, MT 59405 | AFLAC | $0 | $1 | $1 | 0.01% |
| HOLLY SUZANNE LAKE3 | 5228 GOLDEN HOLLOW RD BILLINGS, MT 59101 | AFLAC | $0 | $0 | $0 | 0.00% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $0 | $0 | $0 | 0.00% |
| LANA M KLIMEK3 | 605 WOODRIDGE DR LITTLE ELM, TX 75068 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 13 | 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) | 13 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 13 | $10K |
| Vision | AFLAC | 13 | $10K |
| Life insurance | AFLAC | 13 | $10K |
| Short-term disability | AFLAC | 13 | $10K |
| Long-term disability | AFLAC | 13 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13 | — |
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.