| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIRIAM AVERY INSURANCE AGENCY3 Filed as: MIRIAM AVERY INSURANCE AGENCY INC. | 1690 RIMROCK ROAD STE A BILLINGS, MT 59102 | BLUECROSS BLUESHIELD OF MONTANA | $100K | — | $100K | 3.00% |
| MIRIAM AVERY INSURANCE AGENCY4 | 1690 RIMROCK ROAD STE A BILLINGS, MT 59102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 11.26% |
| J KAUFMANN INSURANCE, INC3 Filed as: J. KAUFMANN INSURANCE, INC. | 1601 LEWIS AVE., STE. 216 BILLINGS, MT 59105 | AFLAC | $8K | — | $8K | 6.00% |
| DUANE J BINSTOCK3 | 8 MEADOWBROOK BILLINGS, MT 591026791 | AFLAC | $4K | — | $4K | 2.85% |
| CHERYL LORRAINE JOHNSON3 | 1129 HALLEY AVE RAPID CITY, SD 57702 | AFLAC | $4K | — | $4K | 2.66% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $4K | — | $4K | 2.51% |
| KAYLA ANN SCHAD3 | 2113 HARNEY DRIVE RAPID CITY, SD 57702 | AFLAC | $2K | — | $2K | 1.25% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 577022321 | AFLAC | $1K | — | $1K | 0.75% |
| DENELLE CHARTIER3 | 1515 RANCHO VISTA AVE BILLINGS, MT 59105 | AFLAC | $686 | — | $686 | 0.49% |
| SARAH ELISE CONLEY3 | 419 WOODLAND AVE LAUREL, MT 59044 | AFLAC | $551 | — | $551 | 0.39% |
| JAKE KAUFMANN3 Filed as: JAKE B KAUFMANN | 1601 LEWIS AVE STE 216 BILLINGS, MT 591024126 | AFLAC | $475 | — | $475 | 0.34% |
| HOLLY A MARITA3 Filed as: HOLLY KRISTINE HALL | 2662 E UPPER HAYDEN LAKE RD HAYDEN, ID 838357185 | AFLAC | $324 | — | $324 | 0.23% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVENUE, SUITE 202 BILLINGS, MT 59102 | AFLAC | $253 | — | $253 | 0.18% |
| LISA M HALL3 Filed as: LISA MICHELLE HALL | 2542 E SUNDOWN DR COEUR D ALENE, ID 838159750 | AFLAC | $233 | — | $233 | 0.17% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVENUE, SUITE 202 BILLINGS, MT 59102 | AFLAC | $127 | — | $127 | 0.09% |
| MEGAN BERNHARDT3 | 1601 LEWIS AVE BILLINGS, MT 59102 | AFLAC | $46 | — | $46 | 0.03% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $45 | — | $45 | 0.03% |
| KATHLEEN THERESA VOKRAL3 | 2219 HYACINTH AVENUE BILLINGS, MT 59105 | AFLAC | $9 | — | $9 | 0.01% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | AFLAC | $1 | — | $1 | 0.00% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $879 | — | $879 | 2.41% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $627 | — | $627 | 1.72% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $515 | — | $515 | 1.41% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $281 | — | $281 | 0.77% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $258 | — | $258 | 0.71% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $195 | — | $195 | 0.53% |
| ROBERTA JO ANDERSON3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $157 | — | $157 | 0.43% |
| MEGAN LYNN BECKETT3 | 4733 APRES VOUS CT RAPID CITY, SD 57703 | AFLAC | $153 | — | $153 | 0.42% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $127 | — | $127 | 0.35% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $124 | — | $124 | 0.34% |
| RUSSELL C MOLSTAD JR3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $113 | — | $113 | 0.31% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $109 | — | $109 | 0.30% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $108 | — | $108 | 0.30% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $103 | — | $103 | 0.28% |
| KAYLA ANN SCHAD3 | 2113 HARNEY DR RAPID CITY, SD 57702 | AFLAC | $81 | — | $81 | 0.22% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $74 | — | $74 | 0.20% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $43 | — | $43 | 0.12% |
| MARK K VICKERS3 Filed as: MARK E STERN | 1320 MIDWAY ST RAPID CITY, SD 57701 | AFLAC | $42 | — | $42 | 0.12% |
| JAMES KASPER3 Filed as: JAMES M KASPER | 1128 WESTRAC DR S FARGO, ND 58103 | AFLAC | $39 | — | $39 | 0.11% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $33 | — | $33 | 0.09% |
| DESIREE J MENDEL3 | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $31 | — | $31 | 0.08% |
| WILLIAM A OPSAHL3 | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $23 | — | $23 | 0.06% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $23 | — | $23 | 0.06% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $20 | — | $20 | 0.05% |
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $17 | — | $17 | 0.05% |
| BETH A GOODWIN3 | 4455 SEEAIRE ST RAPID CITY, SD 57702 | AFLAC | $16 | — | $16 | 0.04% |
| CAROL A BENDER3 | 2026 OAK RIDGE DR PORTLAND, TX 78374 | AFLAC | $15 | — | $15 | 0.04% |
| JOHN C JENSEN3 | 4792 HARVEST DR S FARGO, ND 58104 | AFLAC | $12 | — | $12 | 0.03% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $11 | — | $11 | 0.03% |
| DUANE E ROBBINS3 | 8151 LABRADOR TRL RAPID CITY, SD 57702 | AFLAC | $11 | — | $11 | 0.03% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $10 | — | $10 | 0.03% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $10 | — | $10 | 0.03% |
| BARBARA L SIDLE3 | 3601 PADRE DR RAPID CITY, SD 57703 | AFLAC | $9 | — | $9 | 0.02% |
| GARY CASE3 Filed as: GARY D CASE | 26201 BERGSAGEL RD NE POULSBO, WA 98370 | AFLAC | $8 | — | $8 | 0.02% |
| MARIA BARRERA-THOVSON3 | 107 ALERT ST LEAD, SD 57754 | AFLAC | $8 | — | $8 | 0.02% |
| KRIS L LEDUC3 | 514 AMERICAS WAY # 8202 BOX ELDER, SD 57719 | AFLAC | $7 | — | $7 | 0.02% |
| JEREMY E GUTHMILLER3 | PO BOX 182 TAYLOR, ND 58656 | AFLAC | $7 | — | $7 | 0.02% |
| ALFSON INSURANCE LLC3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $6 | — | $6 | 0.02% |
| CLAY PEARSON3 | PO BOX 67 FORT PIERRE, SD 57532 | AFLAC | $6 | — | $6 | 0.02% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $5 | — | $5 | 0.01% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $4 | — | $4 | 0.01% |
| TAMI MULDER3 | 1707 PENNINGTON ST RAPID CITY, SD 57703 | AFLAC | $4 | — | $4 | 0.01% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $4 | — | $4 | 0.01% |
| TIMOTHY L CASS3 | 227 NELTOM DR PIERRE, SD 57501 | AFLAC | $3 | — | $3 | 0.01% |
| SANDRA K GUENOT3 Filed as: SANDRA K SCHUMACHER | 1501 CENTRE ST STE 101 RAPID CITY, SD 57703 | AFLAC | $3 | — | $3 | 0.01% |
| KARA M CARMODY3 | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $532 | — | $532 | 6.07% |
| MELISSA GRAVES3 Filed as: MELISSA A GRAVES | 2709 6TH ST NE GREAT FALLS, MT 59404 | AFLAC | $112 | — | $112 | 1.28% |
| J THEIS & ASSOCIATES INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $77 | — | $77 | 0.88% |
| WOITH INSURANCE AGENCY INC3 | PO BOX 6328 GREAT FALLS, MT 59406 | AFLAC | $55 | — | $55 | 0.63% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $41 | — | $41 | 0.47% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $40 | — | $40 | 0.46% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $17 | — | $17 | 0.19% |
| DEANNE M CUMMINGS3 | 1739 PARKHILL DR BILLINGS, MT 59102 | AFLAC | $13 | — | $13 | 0.15% |
| MR. KIM CUMMINGS3 Filed as: MR KIM CUMMINGS | 1739 PARKHILL DR BILLINGS, MT 59102 | AFLAC | $13 | — | $13 | 0.15% |
| RALPH MCDONALD DAYTON3 | 8986 THURSTON RD SPRINGFIELD, OR 97478 | AFLAC | $11 | — | $11 | 0.13% |
| ANDREW G THEIS3 | 2685 PALMER ST STE E MISSOULA, MT 59808 | AFLAC | $6 | — | $6 | 0.07% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $6 | — | $6 | 0.07% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $2 | — | $2 | 0.02% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $332 | — | $332 | 5.02% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $137 | — | $137 | 2.07% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $69 | — | $69 | 1.04% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $35 | — | $35 | 0.53% |
| BROOKE A GEDDES3 | 592 BUTTERCUP CT SPEARFISH, SD 57783 | AFLAC | $26 | — | $26 | 0.39% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $24 | — | $24 | 0.36% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $21 | — | $21 | 0.32% |
| CAROL A BENDER3 | 2026 OAK RIDGE DR PORTLAND, TX 78374 | AFLAC | $17 | — | $17 | 0.26% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $16 | — | $16 | 0.24% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $12 | — | $12 | 0.18% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $12 | — | $12 | 0.18% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $9 | — | $9 | 0.14% |
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $9 | — | $9 | 0.14% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $8 | — | $8 | 0.12% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $6 | — | $6 | 0.09% |
| DAVID P AESOPH3 | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $6 | — | $6 | 0.09% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $5 | — | $5 | 0.08% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $2 | — | $2 | 0.03% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.02% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $279 | — | $279 | 9.71% |
| GERALD R THEIS JR3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $46 | — | $46 | 1.60% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $7 | — | $7 | 0.24% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $6 | — | $6 | 0.21% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $6 | — | $6 | 0.21% |
| J KAUFMANN INSURANCE, INC3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $201 | — | $201 | 8.58% |
| J THEIS & ASSOCIATES INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $33 | — | $33 | 1.41% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $21 | — | $21 | 0.90% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $19 | — | $19 | 0.81% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $5 | — | $5 | 0.21% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $5 | — | $5 | 0.21% |
No Schedule C service providers reported on this filing.
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 | 461 | 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) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 460 | $3.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 482 | $308K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 482 | $308K |
| Life insurance(6 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 482 | $365K |
| Short-term disability(6 contracts) | AFLAC | 107 | $198K |
| Prescription drug | BLUECROSS BLUESHIELD OF MONTANA | 460 | $3.3M |
| Other(7 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 482 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.