| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 SOUTH GARFIELD STREET SUITE 101 MISSOULA, MT 59806 | HCC LIFE INSURANCE COMPANY | $23K | $12K | $35K | 10.68% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 14.97% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 14.99% |
| CONTINENTAL CREST INS SVCS PC3 | PO BOX 6170 RIVERTON, WY 82501 | AFLAC | $583 | $0 | $583 | 5.26% |
| SCOTT HOENSTINE3 | 1716 N 1ST ST STE B HAMILTON, MT 59840 | AFLAC | $291 | $0 | $291 | 2.62% |
| TREVOR NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $74 | $0 | $74 | 0.67% |
| DEANNA CHRISTENSEN3 | PO BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $55 | $0 | $55 | 0.50% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL RD MANHANTTAN, MT 59741 | AFLAC | $51 | $0 | $51 | 0.46% |
| TRENTON FRANDSEN3 | 929 MEADOW LANE AVE CODY, WY 82414 | AFLAC | $45 | $0 | $45 | 0.41% |
| CARLA A MCENTIRE3 Filed as: CARLA MCENTIRE | 81 8TH ST STE 12 BELGRADE, MT 59714 | AFLAC | $37 | $0 | $37 | 0.33% |
| LISA HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $29 | $0 | $29 | 0.26% |
| RUSSELL A WOITH3 Filed as: RUSSELL WOITH | 715 KERN ST MISSOULA, MT 59801 | AFLAC | $28 | $0 | $28 | 0.25% |
| J THEIS & ASSOC INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $20 | $0 | $20 | 0.18% |
| BEN JENKINS3 | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $20 | $0 | $20 | 0.18% |
| DONALD HILL3 | PO BOX 504 MISSOULA, MT 59804 | AFLAC | $19 | $0 | $19 | 0.17% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $13 | $0 | $13 | 0.12% |
| JAMES VALENTINI3 | 120 OAK ST ANACONDA, MT 59711 | AFLAC | $12 | $0 | $12 | 0.11% |
| CARLA K FLEURY3 Filed as: CARLA FLEURY | 33633 DUMONTIER RD ARLEE, MT 59821 | AFLAC | $8 | $0 | $8 | 0.07% |
| TERRICK CHISHOLM3 | 85 MAIN ST STEVENSVILLE, MT 59870 | AFLAC | $4 | $0 | $4 | 0.04% |
| DAWN D SHEUE3 Filed as: DAWN SHEUE | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $4 | $0 | $4 | 0.04% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $3 | $0 | $3 | 0.03% |
| INTERMOUNTAIN INSURANCE SERVICES3 Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 SOUTH GARFIELD STREET MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $865 | $0 | $865 | 14.99% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE AND 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 GARFIELD AVE MISSOULA, MT 59806 | $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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $13K |
| Other(4 contracts, 4 carriers) | HCC LIFE INSURANCE COMPANY | 122 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.