| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | PO BOX 4386 MISSOULA, MT 59806 | UNION SECURITY INSURANCE COMPANY | $8K | $42 | $8K | 10.06% |
| DONNA FREDRICKS3 | 1215 24TH STREET W SUITE 135 BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.62% |
| MR. KIM CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $1K | $63 | $1K | 7.27% |
| DEANNE M CUMMINGS0 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $1K | $63 | $1K | 6.39% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $514 | $43 | $557 | 3.03% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVE SUITE 202 BILLINGS, MT 59102 | AFLAC | $327 | $28 | $355 | 1.93% |
| JAE A HATZELL3 | 3326 HARLOU DR BILLINGS, MT 59102 | AFLAC | $143 | — | $143 | 0.78% |
| SUSAN M KAHN3 | 8625 CUT THROAT DRIVE BILLINGS, MT 59106 | AFLAC | $67 | — | $67 | 0.37% |
| DARAN L WYCKOFF3 | 505 N ARGONNE BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $65 | — | $65 | 0.35% |
| LISA HALL3 | 8601 TURNPIKE DR. STE 206 WESTMINSTER, CO 80031 | AFLAC | $24 | $3 | $27 | 0.15% |
| JAMES R HILL JR3 Filed as: JAMES R HILL JR. | 7021 MARSEILLES CT SUMMERFIELD, NC 27358 | AFLAC | $26 | — | $26 | 0.14% |
| BONNY K EMTER3 | PO BOX 81681 BILLINGS, MT 59108 | AFLAC | $21 | — | $21 | 0.11% |
| PAMELA WALLING3 Filed as: PAMELA J WALLING | PO BOX 545 LEWISTOWN, MT 59457 | AFLAC | $13 | — | $13 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 591070638 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $683 | $2K | 10.46% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 132 | $93K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.