| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERMOUNTIAN UNDERWRITER | 2806 S GARFIELD ST MISSOULA, MT 59806 | TOKIO MARINE HCC STOP LOSS GROUP | $26K | $14K | $39K | 10.68% |
| INTERMOUNTIAN UNDERWRITER | 2806 S GARFIELD ST MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.72% |
| INTERMOUNTIAN UNDERWRITER | 2806 S GARFIELD ST MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.72% |
| CONTINENTAL CREST INS SVCS PC | PO BOX 6170 RIVERTON, WY 82501 | AFLAC | $544 | — | $544 | 5.31% |
| SCOTT HOENSTINE | 1715 N 1ST ST STE B HAMILTON, MT 59840 | AFLAC | $263 | — | $263 | 2.57% |
| DEANNA CHRISTENSEN | PO BOX 2175 ROCK SPRINGS, WY 82902 | AFLAC | $53 | — | $53 | 0.52% |
| TREVOR NORENBERG | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $53 | — | $53 | 0.52% |
| FLIKKEMA INSURANCE INC | 7175 CHURCHILL RD MANHANTTAN, MT 59741 | AFLAC | $48 | — | $48 | 0.47% |
| TENTON FRANDSEN | 1031 N CAMINO AGUA WASHINGTON, UT 84780 | AFLAC | $45 | — | $45 | 0.44% |
| CARLA A MCENTIRE Filed as: CARLA MCENTIRE | 81 8TH ST BELGRADE, MT 59714 | AFLAC | $36 | — | $36 | 0.35% |
| RUSSELL A WOITH Filed as: RUSSELL WOITH | 715 KERN ST MISSOULA, MT 59801 | AFLAC | $27 | — | $27 | 0.26% |
| LISA HALL | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83836 | AFLAC | $26 | — | $26 | 0.25% |
| J THEIS & ASSOC INC | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $20 | — | $20 | 0.20% |
| BEN JENKINS | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $20 | — | $20 | 0.20% |
| DONALD HILL | PO BOX 504 MISSOULA, MT 59804 | AFLAC | $19 | — | $19 | 0.19% |
| CRAIG MICHELSEN | 426 TOPAX DR SANTAQUIN, UT 84655 | AFLAC | $12 | — | $12 | 0.12% |
| KARLA MCAFFEE | 1993 DEWAR DR UNIT1 ROCK SPRINGS, WY 82901 | AFLAC | $12 | — | $12 | 0.12% |
| JAMES VALENTINI | 120 OAK ST ANACONDA, MT 59711 | AFLAC | $12 | — | $12 | 0.12% |
| JAMES PORTER | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $11 | — | $11 | 0.11% |
| DONALD SHEUE | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $4 | — | $4 | 0.04% |
| CASEY DALE HOBSON | 13320 W REDWICK DR BOISE, ID 83712 | AFLAC | $3 | — | $3 | 0.03% |
| VOLUNTARY SOLUTIONS INC | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPNAY | $4 | — | $4 | 0.49% |
| INTERMOUNTIAN UNDERWRITER | 2806 S GARFIELD ST MISSOULA, MT 59805 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $669 | $0 | $669 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 | Claims processing Service code 12 | 2806 S GARFIELD ST 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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $17K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC STOP LOSS GROUP | 123 | $367K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.