| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 598064386 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 12.20% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC | 9725 3RD AVE NE STE 110 SEATTLE, WA 981152071 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.14% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $619 | $7K | 16.51% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $530 | $6K | 16.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $440 | $4K | 16.71% |
| DMWC LLC3 Filed as: DMWC | 1515 RANCHO VISTA AVE BILLINGS, MT 59105 | AFLAC | $2K | $66 | $2K | 12.23% |
| KATHLEEN THERESA VOKRAL3 | 2110 OVERLAND AVE SUITE 102 BILLINGS, MT 59102 | AFLAC | $309 | $11 | $320 | 2.40% |
| MR. KIM CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $309 | — | $309 | 2.32% |
| DEANNE M CUMMINGS3 | 1739 PARKHILL DR BILLINGS, MT 59102 | AFLAC | $191 | — | $191 | 1.43% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 2110 OVERLAND AVE STE 102 STE 216 BILLINGS, MT 59102 | AFLAC | $169 | — | $169 | 1.27% |
| BAILIE ANDERSON3 | 515 1ST ST SE PARK CITY, MT 59063 | AFLAC | $121 | $11 | $132 | 0.99% |
| JAE A HATZELL3 | 3222 40TH ST W BILLINGS, MT 59106 | AFLAC | $126 | — | $126 | 0.94% |
| BENJAMIN FRALEY3 | 5228 GOLDEN HOLLOW RD 1144 TOOLE CT BILLINGS, MT 59105 | AFLAC | $94 | — | $94 | 0.70% |
| J THEIS & ASSOCIATES INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $71 | — | $71 | 0.53% |
| JAMES R HILL JR3 Filed as: JAMES R HILL JR. | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $15 | — | $15 | 0.11% |
| JANA BECKERLEY3 | 2130 DAHLIA LN BILLINGS, MT 59102 | AFLAC | $12 | — | $12 | 0.09% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $8 | — | $8 | 0.06% |
| LISA M HALL3 | 686 W MOGUL LP #102 HAYDEN, ID 83835 | AFLAC | $4 | — | $4 | 0.03% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $2 | — | $2 | 0.01% |
| PAUL Q GRANT3 | 6816 LAZY ST SW UNIT E TUMWATER, WA 98512 | AFLAC | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $125 | $1K | 16.55% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $109K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 141 | $109K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $35K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.