| 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 | $33K | $9K | $42K | 12.22% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITER | 2806 S GARFIELD STREET MISSOULA, MT 59806 | CIGNA GROUP INSURANCE | $7K | $0 | $7K | 15.00% |
| ALLEGIANCE BENEFIT PLAN MANAGEMENT5 | 2806 S GARFIELD STREET PO BOX 3018 MISSOULA, MT 59801 | CIGNA GROUP INSURANCE | $0 | $933 | $933 | 1.96% |
| CONTINENTAL CREST INS SVCS PC3 Filed as: CONTINENTAL CREST INSURANCE SERVICE | PO BOX 6179 RIVERTON, WY 82501 | AFLAC | $1K | $51 | $1K | 6.19% |
| SCOTT HOENSTINE3 | 1716 N 1ST STREET SUITE B HAMILTON, MT 59840 | AFLAC | $731 | $0 | $731 | 3.46% |
| TREVOR NORENBERG3 | 6529 SAHALEE CT RAPID CITY, SD 57702 | AFLAC | $127 | $14 | $141 | 0.67% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL RD MANHATTAN, MT 59741 | AFLAC | $135 | $0 | $135 | 0.64% |
| DEANNA CHRISTENSEN3 | PO BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $91 | $7 | $98 | 0.46% |
| CARLA A MCENTIRE3 Filed as: CARLA MCENTIRE | 81 8TH ST SUITE 12 BELGRADE, MT 59714 | AFLAC | $77 | $5 | $82 | 0.39% |
| LISA HALL3 | 2542 S SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $74 | $0 | $74 | 0.35% |
| JAIME VALENTINI3 | 120 OAK ST ANACONDA, MT 59711 | AFLAC | $71 | $0 | $71 | 0.34% |
| C FLEURY INC3 | PO BOX 250 ARLEE, MT 59821 | AFLAC | $43 | $0 | $43 | 0.20% |
| HEATHER A HOVANDER3 Filed as: HEATHER HOVANDER | PO BOX 6179 RIVERTON, WY 82501 | AFLAC | $39 | $0 | $39 | 0.18% |
| RUSSELL A WOITH3 Filed as: RUSSELL WOITH | 2685 PALMER ST SUITE E MISSOULA, MT 59808 | AFLAC | $38 | $0 | $38 | 0.18% |
| KARLA MCAFFEE3 | 1993 DEWAR DRIVE UNIT 1 ROCK SPRINGS, WY 82901 | AFLAC | $37 | $0 | $37 | 0.18% |
| BEN JENKINS3 | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $27 | $7 | $34 | 0.16% |
| DONALD HILL3 | PO BOX 504 MISSOULA, MT 59806 | AFLAC | $22 | $0 | $22 | 0.10% |
| JAMES CHISHOLM3 | 85 MAIN ST STEVENSVILLE, MT 59870 | AFLAC | $20 | $0 | $20 | 0.09% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $8 | $0 | $8 | 0.04% |
| JAMES PORTER3 | 223 STILLWATER CREEK DRIVE BOZEMAN, MT 59718 | AFLAC | $7 | $0 | $7 | 0.03% |
| DAWN D SHEUE3 Filed as: DAWN SHEUE | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $2 | $1 | $3 | 0.01% |
| CASEY DALE HOBSON3 Filed as: CASEY HOBSON | 13320 W REDWICK DRIVE BOISE, ID 83713 | AFLAC | $1 | $1 | $2 | 0.01% |
| VOLUNTARY SOLUTIONS INC3 | 191 TELLURIDE STREET 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 | $26K |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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 | CIGNA GROUP INSURANCE | 132 | $48K |
| Short-term disability | CIGNA GROUP INSURANCE | 132 | $48K |
| Long-term disability | CIGNA GROUP INSURANCE | 132 | $48K |
| Stop-loss / reinsurancereinsurance | AIG BENEFIT SOLUTIONS | 122 | $343K |
| Other(3 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 132 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.