| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENCE PLANNING GROUP Filed as: INDEPENDENCE UNDERWRITING PARTNERS | — | GERBER LIFE | $31K | $22K | $53K | 11.90% |
| BROKER NOT PROVIDED Filed as: BROKER COMMISSION | — | GERBER LIFE | $31K | — | $31K | 6.95% |
| INTERMOUNTAIN INSURANCE SERVICES Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 S GARFIELD ST MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| INTERMOUNTAIN INSURANCE SERVICES Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 S GARFIELD ST MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| STEPHEN C JONES | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $515 | — | $515 | 5.85% |
| JADELL HOVANDER | PO BOX 6179 RIVERTON, WY 82501 | AFLAC | $386 | — | $386 | 4.38% |
| SCOTT HOENSTINE | 1716 N 1ST ST STE B HAMILTON, MT 59834 | AFLAC | $158 | — | $158 | 1.79% |
| MICHAL JAMESON GEORGE | 15431 SAVIK LN FRENCHTOWN, MT 59834 | AFLAC | $103 | — | $103 | 1.17% |
| ASHLEIGH GEORGE Filed as: ASHLEIGH YVONNE GEORGE | 400 EXPRESSWAY STE D MISSOULA, MT 59808 | AFLAC | $70 | — | $70 | 0.79% |
| TREVOR NORENBERG | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $49 | — | $49 | 0.56% |
| DEANNA CHRISTENSEN | PO BO 2175 ROCK SPRINGS, WY 82902 | AFLAC | $44 | — | $44 | 0.50% |
| CARLA A MCENTIRE Filed as: CARLA MCENTIRE | 81 8TH ST STE 12 BELGRADE, MT 59714 | AFLAC | $36 | — | $36 | 0.41% |
| TRENTON FRANDSEN | 233 W SUNSTONE WAY WASHINGTON, UT 84780 | AFLAC | $28 | — | $28 | 0.32% |
| RUSSELL A WOITH Filed as: RUSSELL WOITH | 715 KERN ST MISSOULA, MT 59801 | AFLAC | $27 | — | $27 | 0.31% |
| FLIKKEMA INSURANCE INC Filed as: FLIKKEMA INSURNACE INC | 6095 CENTURY DR MANHATTAN, MT 59741 | AFLAC | $25 | — | $25 | 0.28% |
| BEN JENKINS | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $19 | — | $19 | 0.22% |
| DONALD HILL | PO BOX 504 MISSOULA, MT 59806 | AFLAC | $18 | — | $18 | 0.20% |
| LISA HALL | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $14 | — | $14 | 0.16% |
| J THEIS & ASSOCIATES INC | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $12 | — | $12 | 0.14% |
| JAMES VALENTINI | 120 OAK ST ANACONDA, MT 59711 | AFLAC | $12 | — | $12 | 0.14% |
| FLIKKEMA INSURANCE INC | 7175 CHURCHILL RD MANHATTAN, MT 59741 | AFLAC | $11 | — | $11 | 0.12% |
| JAMES PORTER | 223 STILLWATER CR DR BOZEMAN, MT 59718 | AFLAC | $6 | — | $6 | 0.07% |
| CRAIG MICHELSEN | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $6 | — | $6 | 0.07% |
| DAWN D SHEUE Filed as: DAWN SHEUE | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $4 | — | $4 | 0.05% |
| CASEY DALE HOBSON Filed as: CASEY HOBSON | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $3 | — | $3 | 0.03% |
| INTERMOUNTAIN INSURANCE SERVICES Filed as: INTERMOUNTAIN UNDERWRITERS INC | 2806 S GARFIELD ST MISSOULA, MT 59806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $828 | — | $828 | 14.99% |
| VOLUNTARY SOLUTIONS INC | 9903 E 150TH AVE BRIGHTON, CO 80602 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3 | — | $3 | 0.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 | Claims processing Service code 12 | 2806 S GARFIELD ST MISSOULA, MT 59806 | $32K |
| ALLEGIANCE CARE MANAGEMENT EIN 03-0507057 | Claims processing Service code 12 | 2806 S GARFIELD ST MISSOULA, MT 59806 | $5K |
| ALLEGIANCE COBRA SERVICES INC EIN 71-0916514 | Claims processing Service code 12 | 2806 S GARFIELD ST MISSOULA, MT 59806 | $611 |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $19K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE | 142 | $448K |
| Other(2 contracts, 2 carriers) | AFLAC | 15 | $9K |
| 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.
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.