| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS, INC | 2806 SOUTH GARFIELD ST SUITE 101 MISSOULA, MT 59806 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $30K | $9K | $38K | 12.15% |
| ALLEGIANCE BENEFIT PLAN MANAGEMENT3 | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $0 | $5 | $5 | 0.00% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITER | 2806 S GARFIELD MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 15.00% |
| CONTINENTAL CREST INS SVCS PC3 | PO BOX 6176 RIVERTON, WY 82501 | AFLAC | $1K | $59 | $1K | 7.97% |
| SCOTT G HOENSTINE3 | 1716 N 1ST STREET SUITE B HAMILTON, MT 59840 | AFLAC | $540 | $0 | $540 | 3.09% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL ROAD MANHATTAN, MT 59741 | AFLAC | $102 | $0 | $102 | 0.58% |
| TRENTON FRANDSEN3 Filed as: TRENTON L FRANDSEN | 929 MEADOW LANE AVENUE CODY, WY 82414 | AFLAC | $101 | $0 | $101 | 0.58% |
| TREVOR G NORENBERG3 | 4552 LAHINCH STREET RAPID CITY, SD 57702 | AFLAC | $84 | $0 | $84 | 0.48% |
| RUSSELL A WOITH3 | 715 KERN STREET MISSOULA, MT 59801 | AFLAC | $72 | $12 | $84 | 0.48% |
| CARLA A MCENTIRE3 | 81 8TH STREET SUITE 12 BELGRADE, MT 59714 | AFLAC | $58 | $12 | $70 | 0.40% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVENUE SUITE 202 BILLINGS, MT 59102 | AFLAC | $68 | $0 | $68 | 0.39% |
| DEANNA M CHRISTENSEN3 | PO BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $62 | $0 | $62 | 0.35% |
| LISA M HALL3 | 2542 E SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $51 | $0 | $51 | 0.29% |
| CARLA K FLEURY3 | PO BOX 250 ARLEE, MT 59821 | AFLAC | $30 | $0 | $30 | 0.17% |
| HEATHER A HOVANDER3 | PO BOX 6179 RIVERTON, WY 82501 | AFLAC | $30 | $0 | $30 | 0.17% |
| KARLA MCAFFEE3 Filed as: KARLA L MCAFFEE | 1993 DEWAR DRIVE UNIT 1 ROCK SPRINGS, WY 82901 | AFLAC | $29 | $0 | $29 | 0.17% |
| CRAIG MICHELSEN3 | 1228 25TH AVENUE SW GREAT FALLS, MT 59404 | AFLAC | $25 | $0 | $25 | 0.14% |
| JAIME VALENTINI3 Filed as: JAIME S VALENTINI | 120 OAK STREET ANACONDA, MT 59711 | AFLAC | $23 | $0 | $23 | 0.13% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DRIVE BOZEMAN, MT 59718 | AFLAC | $23 | $0 | $23 | 0.13% |
| BEN JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $17 | $0 | $17 | 0.10% |
| DONALD HILL3 | PO BOX 504 MISSOULA, MT 59806 | AFLAC | $17 | $0 | $17 | 0.10% |
| TERRI K CHISHOLM3 | 85 MAIN STREET STEVENSVILLE, MT 59870 | AFLAC | $16 | $0 | $16 | 0.09% |
| CARLA K FLEURY3 | 415 N HIGGINS SUITE 14-A MISSOULA, MT 59802 | AFLAC | $5 | $0 | $5 | 0.03% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $4 | $0 | $4 | 0.02% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DRIVE BOISE, ID 83713 | AFLAC | $3 | $0 | $3 | 0.02% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVENUE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2806 S GARFIED MISSOULA, MT 59806 | $29K |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $49K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $49K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 135 | $316K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.