| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS | PO BOX 2473 MISSOULA, MT 59806 | AIG BENEFIT SOLUTIONS | $34K | $10K | $44K | 12.21% |
| INTERMOUNTAIN INSURANCE SERVICES5 Filed as: INTERMOUNTAIN UNDERWRITERS, INC | 2806 S GARFIELD ST MISSOULA, MT 59801 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| JADELL HOVANDER3 | PO BOX 6179 RIVERTON, WY 82501 | AFLAC | $2K | $99 | $2K | 8.56% |
| SCOTT G HOENSTINE3 | 1716 N 1ST ST SUITE B HAMILTON, MT 59840 | AFLAC | $700 | $0 | $700 | 3.42% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | AFLAC | $230 | $0 | $230 | 1.12% |
| DEANNA M CHRISTENSEN3 | PO BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $180 | $3 | $183 | 0.89% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL RD MANHATTAN, MT 59741 | AFLAC | $134 | $0 | $134 | 0.65% |
| JAMES VALENTINI3 | 123 MAIN ST ANACONDA, MT 59711 | AFLAC | $91 | $17 | $108 | 0.53% |
| CARLA A MCENTIRE3 | 81 8TH ST UNIT 12 BELGRADE, MT 59714 | AFLAC | $88 | $17 | $105 | 0.51% |
| LISA HALL3 | 8601 TURPIKE DR SUITE 206 WESTMINSTER, CO 80031 | AFLAC | $84 | $17 | $101 | 0.49% |
| BEN JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $90 | $3 | $93 | 0.45% |
| C FLEURY INC3 | PO BOX 250 ARLEE, MT 59821 | AFLAC | $40 | $0 | $40 | 0.20% |
| DONALD HILL3 Filed as: DONALD J HILL | PO BOX 504 MISSOULA, MT 89806 | AFLAC | $37 | $0 | $37 | 0.18% |
| HEATHER A HOVANDER3 | PO BOX 6179 RIVERTON, WY 82501 | AFLAC | $36 | $0 | $36 | 0.18% |
| KARLA MCAFFEE3 Filed as: KARLA L MCAFFEE | 1993 DEWAR DR UNIT 1 ROCK SPRINGS, WY 82901 | AFLAC | $35 | $0 | $35 | 0.17% |
| TERRI K CHISHOLM3 | 85 MAIN ST STEVENSVILLE, MT 59870 | AFLAC | $19 | $0 | $19 | 0.09% |
| MARTIN P FLEURY3 | PO BOX 2717 POST FALLS, ID 83877 | AFLAC | $5 | $0 | $5 | 0.02% |
| RANDY HEATON3 | 515 E 16TH AVE REDFIELD, SD 57469 | COLONIAL LIFE | $11 | $0 | $11 | 0.85% |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE ST BRIGHTON, CO 80601 | COLONIAL LIFE | $7 | $0 | $7 | 0.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2806 S GARFIELD MISSOULA, MT 59801 | $24K |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $46K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $46K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $46K |
| Stop-loss / reinsurancereinsurance | AIG BENEFIT SOLUTIONS | 238 | $359K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.