| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 4386 MISSOULA, MT 598064386 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $5K | $14K | 15.87% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC | 9725 3RD AVE NE STE 110 SEATTLE, WA 981152071 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $529 | $6K | 16.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $447 | $5K | 16.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $358 | $4K | 16.43% |
| KATHLEEN THERESA VOKRAL3 | 2110 OVERLAND AVE SUITE 102 BILLINGS, MT 59102 | AFLAC | $510 | $24 | $534 | 4.01% |
| MR. KIM CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $365 | — | $365 | 2.74% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $283 | $3 | $286 | 2.15% |
| DMWC LLC3 Filed as: DMWC | 1515 RANCHO VISTA AVE BILLINGS, MT 59105 | AFLAC | $281 | — | $281 | 2.11% |
| DEANNE M CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $279 | — | $279 | 2.10% |
| JAE A HATZELL3 | 3222 40TH ST W BILLINGS, MT 59106 | AFLAC | $124 | — | $124 | 0.93% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DR LAUREL, MT 59044 | AFLAC | $93 | — | $93 | 0.70% |
| BAILIE ANDERSON3 | 515 1ST ST SE PARK CITY, MT 59063 | AFLAC | $71 | — | $71 | 0.53% |
| HOLLY SUZANNE LAKE3 | 5228 GOLDEN HOLLOW RD BILLINGS, MT 59101 | AFLAC | $36 | — | $36 | 0.27% |
| JANA BECKERLEY3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $22 | — | $22 | 0.17% |
| NICOLE NEVILLE3 | 1140 MARY ST BILLINGS, MT 59105 | AFLAC | $17 | — | $17 | 0.13% |
| JAMES R HILL JR3 Filed as: JAMES R HILL JR. | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $15 | — | $15 | 0.11% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $8 | — | $8 | 0.06% |
| LISA M HALL3 | 2542 E SUNDOWN DR. COEUR D ALENE, ID 83815 | AFLAC | $4 | — | $4 | 0.03% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $4 | — | $4 | 0.03% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $3 | — | $3 | 0.02% |
| PAUL Q GRANT3 | 6816 LAZY ST SW UNITE E TUMWATER, WA 98512 | AFLAC | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $118 | $1K | 16.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 598064386 | METROPOLITAN LIFE INSURANCE CO | — | $32 | $32 | — |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $86K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 129 | $86K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $32K |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO | 0 | $0 |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $30K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.