| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | HCC LIFE INSURANCE COMPANY | $30K | — | $30K | 9.43% |
| ALLEGIANCE3 Filed as: ALLEGIANCE BENEFIT PLAN MGMT INC | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | HCC LIFE INSURANCE COMPANY | — | $9K | $9K | 2.72% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITER | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| CONTINENTAL CREST INS SVCS PC3 | PO BOX 6170 RIVERTON, WY 82501 | AFLAC | $1K | $52 | $1K | 7.51% |
| SCOTT G HOENSTINE3 | 1716 N 1ST ST STE B HAMILTON, MT 59840 | AFLAC | $530 | — | $530 | 2.78% |
| TRENTON FRANDSEN3 | 929 MEADOW LN AVE CODY, WY 82414 | AFLAC | $144 | $10 | $154 | 0.81% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL RD MANHATTAN, MT 59741 | AFLAC | $98 | — | $98 | 0.51% |
| TREVOR NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $92 | — | $92 | 0.48% |
| J THEIS & ASSOC INC3 | 1825 DUVAL DR LAUREL, MT 59044 | AFLAC | $73 | $3 | $76 | 0.40% |
| DEANNA CHRISTENSEN3 | PO BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $74 | — | $74 | 0.39% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $52 | — | $52 | 0.27% |
| CARLA A MCENTIRE Filed as: CARLA MCENTIRE | 81 8TH ST STE 12 BELGRADE, MT 59714 | AFLAC | $52 | — | $52 | 0.27% |
| RUSSELL A WOITH3 | 715 KERN ST MISSOULA, MT 59801 | AFLAC | $49 | — | $49 | 0.26% |
| HEATHER A HOVANDER3 | PO BOX 6170 RIVERTON, WY 82501 | AFLAC | $36 | — | $36 | 0.19% |
| KARLA MCAFFEE3 | 1993 DEWAR DR UNIT 1 ROCK SPRINGS, WY 82901 | AFLAC | $35 | — | $35 | 0.18% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $24 | — | $24 | 0.13% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $23 | — | $23 | 0.12% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DR LAUREL, MT 59044 | AFLAC | $14 | $7 | $21 | 0.11% |
| CARLA K FLEURY3 | PO BOX 250 ARLEE, MT 59821 | AFLAC | $20 | — | $20 | 0.10% |
| BEN JENKINS3 | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $20 | — | $20 | 0.10% |
| DONALD HILL3 Filed as: DONALD J HILL | PO BOX 504 MISSOULA, MT 59806 | AFLAC | $19 | — | $19 | 0.10% |
| TERRI K CHISHOLM3 Filed as: TERRI CHISHOLM | 85 MAIN ST STEVENSVILLE, MT 59870 | AFLAC | $19 | — | $19 | 0.10% |
| JAIMES S VALENTINI3 | 120 OAK ST ANACONDA, MT 59711 | AFLAC | $17 | — | $17 | 0.09% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $4 | — | $4 | 0.02% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $3 | — | $3 | 0.02% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITER | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITER | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $870 | — | $870 | 16.13% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3 | — | $3 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MNGMT INC EIN 81-0400550 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | $30K |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $16K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 135 | $322K |
| Other(3 contracts, 3 carriers) | AFLAC | 24 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.