| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITER | 2806 S GARFIELD ST MISSOULA, MT 59806 | HCC LIFE INSURANCE COMPANY | $23K | $13K | $36K | 10.69% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITER | 2806 S GARFIELD ST MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 15.00% |
| CONTINENTAL CREST INS SVCS PC3 Filed as: CONTINENTAL CREST INS SERVICES PC | PO BOX 6179 RIVERTON, WY 82501 | AFLAC | $753 | $13 | $766 | 5.28% |
| SCOTT G HOENSTINE3 | 1716 N 1ST ST STE B HAMILTON, MT 59840 | AFLAC | $384 | $0 | $384 | 2.65% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $85 | $0 | $85 | 0.59% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL RD MANHATTAN, MT 59741 | AFLAC | $68 | $0 | $68 | 0.47% |
| DEANNA M CHRISTENSEN3 | PO BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $62 | $0 | $62 | 0.43% |
| TRETON L FRANDSEN3 | 929 MEADOW LANE AVE CODY, WY 82414 | AFLAC | $46 | $3 | $49 | 0.34% |
| CARLA A MCENTIRE3 Filed as: CARLA MCENTIRE | 81 8TH ST STE 12 BELGRADE, MT 59714 | AFLAC | $47 | $0 | $47 | 0.32% |
| RUSSELL A WOITH3 | 715 KERN ST MISSOULA, MT 59801 | AFLAC | $44 | $0 | $44 | 0.30% |
| CARLA K FLEURY3 | 33633 DUMONTIER RD ARLEE, MT 59821 | AFLAC | $40 | $0 | $40 | 0.28% |
| LISA M HALL3 Filed as: LISA HILL | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $40 | $0 | $40 | 0.28% |
| KARLA MCAFFEE3 Filed as: KARLA L MCAFFEE | 1993 DEWAR DR ROCK SPRINGS, WY 82901 | AFLAC | $24 | $0 | $24 | 0.17% |
| BEN JENKINS3 | 768 RANDER DR CHEYENNE, WY 82009 | AFLAC | $20 | $0 | $20 | 0.14% |
| DONALD HILL3 Filed as: DONALD J HILL | PO BOX 504 MISSOULA, MT 59806 | AFLAC | $19 | $0 | $19 | 0.13% |
| HEATHER A HOVANDER3 Filed as: HEATHER HOVANDER | PO BOX 6179 RIVERTON, WY 82501 | AFLAC | $19 | $0 | $19 | 0.13% |
| TERRI K CHISHOLM3 Filed as: TERRI CHISHOLM | 85 MAIN ST STEVENSVILLE, MT 59870 | AFLAC | $19 | $0 | $19 | 0.13% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUINN, UT 84655 | AFLAC | $18 | $0 | $18 | 0.12% |
| JAMES A PORTER3 | 233 STILLWATER CR DR BOZEMAN, MT 59718 | AFLAC | $17 | $0 | $17 | 0.12% |
| JAMES VALENTINI3 Filed as: JAMES A VALENTINI | 120 OAK ST ANACONDA, MT 59711 | AFLAC | $12 | $0 | $12 | 0.08% |
| J THEIS & ASSOC INC3 | 120 OAK ST ANACONDA, MT 59711 | AFLAC | $10 | $0 | $10 | 0.07% |
| J THEIS & ASSOC INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $7 | $0 | $7 | 0.05% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DR LAUREL, MT 59044 | AFLAC | $5 | $0 | $5 | 0.03% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $4 | $0 | $4 | 0.03% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $3 | $0 | $3 | 0.02% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITER | 2806 S GARFIELD ST MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITER | 2806 S GARFIELD ST MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $889 | $0 | $889 | 15.23% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3 | $0 | $3 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2806 SOUTH GARFIELD ST MISSOULA, MT 59806 | $28K |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $14K |
| Other(4 contracts, 4 carriers) | HCC LIFE INSURANCE COMPANY | 122 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.