| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 591070638 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $4K | $10K | 14.65% |
| DONNA FREDRICKS3 | 1215 24TH STREET W SUITE 135 BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.18% |
| MR. KIM CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $2K | $71 | $2K | 6.80% |
| DEANNE M CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $1K | $71 | $1K | 5.51% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $717 | $28 | $745 | 3.12% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVE SUITE 202 BILLINGS, MT 59102 | AFLAC | $433 | $28 | $461 | 1.93% |
| JAE A HATZELL3 | 2222 POLY DR. BILLINGS, MT 59102 | AFLAC | $141 | — | $141 | 0.59% |
| SUSAN M KAHN3 | 8625 CUT THROAT DRIVE BILLINGS, MT 59106 | AFLAC | $73 | — | $73 | 0.31% |
| DARAN L WYCKOFF3 Filed as: DARAN WYCKOFF | 505 N ARGONNE RD BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $70 | — | $70 | 0.29% |
| LISA HALL3 | 2542 E SUNDOWN DR. COEUR D ALENE, ID 83815 | AFLAC | $26 | — | $26 | 0.11% |
| JAMES R HILL JR3 Filed as: JAMES R HILL JR. | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $25 | — | $25 | 0.10% |
| BONNY K EMTER3 Filed as: BONNY EMTER | PO BOX 81681 BILLINGS, MT 59108 | AFLAC | $22 | — | $22 | 0.09% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $16 | — | $16 | 0.07% |
| PAMELA WALLING3 | PO BOX 545 LEWISTOWN, MT 59457 | AFLAC | $14 | — | $14 | 0.06% |
| DAWN D SHEUE3 Filed as: DAWN SHEUE | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $12 | — | $12 | 0.05% |
| CASEY DALE HOBSON3 Filed as: CASEY HOBSON | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $7 | — | $7 | 0.03% |
| JAMES PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $6 | — | $6 | 0.03% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 254 | $71K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.