| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 591070638 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 9.62% |
| DONNA FREDRICKS3 | 1215 24TH STREET W SUITE 135 BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.27% |
| MR. KIM CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $2K | $105 | $2K | 6.78% |
| JANA BECKERLEY3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $1K | $105 | $1K | 4.50% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $791 | $21 | $812 | 3.00% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DR LAUREL, MT 59044 | AFLAC | $549 | $42 | $591 | 2.19% |
| DEANNE M CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $480 | — | $480 | 1.78% |
| JAKE KAUFMANN3 | 2048 OVERLAND STE 202 BILLINGS, MT 59102 | AFLAC | $126 | $21 | $147 | 0.54% |
| JAE A HATZELL3 | 3222 40TH ST W BILLINGS, MT 59106 | AFLAC | $138 | — | $138 | 0.51% |
| SUSAN M KAHN3 | 8625 CUT THROAT DRIVE BILLINGS, MT 59106 | AFLAC | $67 | — | $67 | 0.25% |
| JAMES R HILL JR3 Filed as: JAMES R HILL JR. | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $19 | — | $19 | 0.07% |
| LISA M HALL3 | 2542 E SUNDOWN DR. COEUR D ALENE, ID 83815 | AFLAC | $18 | — | $18 | 0.07% |
| DARAN L WYCKOFF3 Filed as: DARAN WYCKOFF | 2907 E 64TH CT SPOKANE, WA 99223 | AFLAC | $14 | — | $14 | 0.05% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $14 | — | $14 | 0.05% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $9 | — | $9 | 0.03% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $4 | — | $4 | 0.01% |
| BONNY K EMTER3 | PO BOX 81681 BILLINGS, MT 59108 | AFLAC | $3 | — | $3 | 0.01% |
| ALYSE DAWN VOGELER3 Filed as: ALYSE DAWN RODRIGUEZ | 13738 S DOROTHY DR YUMA, AA 85367 | AFLAC | $2 | — | $2 | 0.01% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $84K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $83K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.