| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE CO | $11K | $1K | $13K | 8.15% |
| CONNEXION INSURANCE SOLUTIONS3 | PO BOX 34315 M/S 320 SEATTLE, WA 98124 | METROPOLITAN LIFE INSURANCE CO | $8K | — | $8K | 5.04% |
| DEANNE M CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $879 | $41 | $920 | 5.15% |
| MR. KIM CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $548 | $0 | $548 | 3.07% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $435 | $10 | $445 | 2.49% |
| KATHLEEN VOKRAL3 | 2219 HYACINTH DR. BILLINGS, MT 59105 | AFLAC | $189 | $10 | $199 | 1.11% |
| HOLLY SUZANNE LAKE3 Filed as: HOLLY LAKE | 5228 GOLDEN HOLLOW RD BILLINGS, MT 59101 | AFLAC | $188 | $0 | $188 | 1.05% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DR LAUREL, MT 59044 | AFLAC | $174 | $0 | $174 | 0.97% |
| JAE A HATZELL3 | 3222 40TH ST W BILLINGS, MT 59106 | AFLAC | $121 | $0 | $121 | 0.68% |
| NICOLE NEVILLE3 | 1140 MARY ST. BILLINGS, MT 59105 | AFLAC | $109 | — | $109 | 0.61% |
| JANA BECKERLEY3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $62 | — | $62 | 0.35% |
| SUSAN M KAHN3 | 8625 CUT THROAT DRIVE BILLINGS, MT 59106 | AFLAC | $57 | — | $57 | 0.32% |
| JAKE KAUFMANN3 | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $42 | $0 | $42 | 0.24% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $16 | — | $16 | 0.09% |
| JAMES R HILL JR3 Filed as: JAMES R HILL JR. | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $16 | — | $16 | 0.09% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $12 | — | $12 | 0.07% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $5 | — | $5 | 0.03% |
| 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 | 0.02% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE CO | 255 | $156K |
| Vision | METROPOLITAN LIFE INSURANCE CO | 255 | $156K |
| Life insurance | METROPOLITAN LIFE INSURANCE CO | 255 | $156K |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO | 255 | $156K |
| Long-term disability | METROPOLITAN LIFE INSURANCE CO | 255 | $156K |
| Other | METROPOLITAN LIFE INSURANCE CO | 255 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.