| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 59107 | METLIFE | $18K | $3K | $22K | 13.38% |
| CONNEXION INSURANCE SOLUTIONS3 | PO BOX 34315 M/S 320 SEATTLE, WA 98124 | METLIFE | $7K | $4K | $12K | 7.28% |
| MR. KIM CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $1K | $50 | $1K | 5.68% |
| JANA BECKERLEY3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $645 | $50 | $695 | 3.38% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $560 | $23 | $583 | 2.84% |
| DEANNE M CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $571 | — | $571 | 2.78% |
| KATHLEEN THERESA VOKRAL3 | 2219 HYACINTH DRIVE BILLINGS, MT 59105 | AFLAC | $372 | $23 | $395 | 1.92% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DR LAUREL, MT 59044 | AFLAC | $202 | — | $202 | 0.98% |
| JAE A HATZELL3 | 3222 40TH ST W BILLINGS, MT 59106 | AFLAC | $92 | — | $92 | 0.45% |
| JAKE KAUFMANN3 | 2048 OVERLAND STE 202 BILLINGS, MT 59102 | AFLAC | $67 | — | $67 | 0.33% |
| SUSAN M KAHN3 | 8625 CUT THROAT DRIVE BILLINGS, MT 59106 | AFLAC | $52 | — | $52 | 0.25% |
| HOLLY SUZANNE LAKE3 | 5228 GOLDEN HOLLOW ROAD BILLINGS, MS 59101 | AFLAC | $34 | — | $34 | 0.17% |
| LISA M HALL3 | 686 W. MOGUL LOOP, APT 102 HAYDEN, ID 83835 | AFLAC | $15 | — | $15 | 0.07% |
| JAMES R HILL JR3 Filed as: JAMES R HILL JR. | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $13 | — | $13 | 0.06% |
| CRAIG MICHELSEN3 | 426 TOPAZ DRIVE SANTAQUIN, UT 84655 | AFLAC | $11 | — | $11 | 0.05% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $5 | — | $5 | 0.02% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $4 | — | $4 | 0.02% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $3 | — | $3 | 0.01% |
| THE GRANT AGENCY INC3 Filed as: GRANT INSURANCE INC | 6816 LAZY TUMWATER, WA 98512 | 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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METLIFE | 246 | $162K |
| Vision | METLIFE | 246 | $162K |
| Life insurance | METLIFE | 246 | $162K |
| Short-term disability | METLIFE | 246 | $162K |
| Long-term disability | METLIFE | 246 | $162K |
| Other | METLIFE | 246 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.