| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 2925 PALMER ST STE B MISSOULA, MT 59806 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 591070638 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| DONNA FREDRICKS3 | 1215 24TH STREET W SUITE 135 BILLINGS, MT 59102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.73% |
| MR. KIM CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $1K | $5 | $1K | 5.77% |
| JANA BECKERLEY3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $911 | $5 | $916 | 3.53% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $691 | $2 | $693 | 2.67% |
| DEANNE M CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $387 | — | $387 | 1.49% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DR LAUREL, MT 59044 | AFLAC | $311 | $2 | $313 | 1.21% |
| KATHLEEN THERESA VOKRAL3 | 2219 HYACINTH DR BILLINGS, MT 59105 | AFLAC | $289 | — | $289 | 1.11% |
| JAE A HATZELL3 | 3222 40TH ST W BILLINGS, MT 59106 | AFLAC | $149 | — | $149 | 0.57% |
| JAKE KAUFMANN3 | 2048 OVERLAND STE 202 BILLINGS, MT 59102 | AFLAC | $78 | — | $78 | 0.30% |
| SUSAN M KAHN3 | 8625 CUT THROAT DRIVE BILLINGS, MT 59106 | AFLAC | $68 | — | $68 | 0.26% |
| JAMES R HILL JR3 Filed as: JAMES R HILL JR. | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $20 | — | $20 | 0.08% |
| LISA M HALL3 | 2542 E SUNDOWN DR. COEUR D ALENE, ID 83815 | AFLAC | $19 | — | $19 | 0.07% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $15 | — | $15 | 0.06% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $7 | — | $7 | 0.03% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $4 | — | $4 | 0.02% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $4 | — | $4 | 0.02% |
| THE GRANT AGENCY INC3 Filed as: GRANT INSURANCE INC | 8532 W COLTER PLAINS, MT 89859 | AFLAC | $1 | — | $1 | 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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $68K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.