| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIRIAM AVERY INSURANCE AGENCY Filed as: MIRIAM AVERY INSURANCE AGENCY INC. | 1690 RIMROCK ROAD STE A BILLINGS, MT 59102 | BLUECROSS BLUESHIELD OF MONTANA | $106K | — | $106K | 3.00% |
| MIRIAM AVERY INSURANCE AGENCY3 Filed as: MIRIAM AVERY INSURANCE AGENCY INC. | 1690 RIMROCK ROAD STE A BILLINGS, MT 59102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 11.32% |
| JAKE KAUFMANN3 Filed as: JAKE B KAUFMANN | 1601 LEWIS AVE STE 216 BILLINGS, MT 591024126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.74% |
| DUANE J BINSTOCK3 | 8 MEADOWBROOK BILLINGS, MT 591026791 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 4.49% |
| CHERYL LORRAINE JOHNSON3 | 1129 HALLEY AVE RAPID CITY, SD 57702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.52% |
| SHIVANI PATEL | 3806 MEADOW BROOK DRIVE RAPID CITY, SD 57702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.62% |
| KAYLA ANN SCHAD3 | 2113 HARNEY DRIVE RAPID CITY, SD 57702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.57% |
| HOLLY KRISTINE HALL3 | 2662 E UPPER HAYDEN LAKE RD HAYDEN, ID 838357185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.35% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.02% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 577022321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.93% |
| DENELLE CHARTIER3 | 1515 RANCHO VISTA AVE BILLINGS, MT 59105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $344 | — | $344 | 0.26% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVENUE, SUITE 202 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | — | $341 | 0.25% |
| SAMANTHA LYNN FRANK | 228 STILLWATER LANE BILLINGS, MT 59105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $270 | — | $270 | 0.20% |
| LISA M HALL3 Filed as: LISA MICHELLE HALL | 2542 E SUNDOWN DR COEUR D ALENE, ID 838159750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | — | $206 | 0.15% |
| HOLLY SUZANNE LAKE | 1601 LEWIS AVE STE 216 BILLINGS, MT 59101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 0.08% |
| HOLLY SUZANNE KAUFMANN | 1601 LEWIS AVE SUITE 216 BILLINGS, MT 59101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.06% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 1228 25TH AVE SW GREAT FALLS, MT 59404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| SARAH ELISE CONLEY3 | 419 WOODLAND AVE LAUREL, MT 59044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| KATHLEEN THERESA VOKRAL3 | 2219 HYACINTH AVENUE BILLINGS, MT 59105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| MEGAN BERNHARDT3 | 1601 LEWIS AVE BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| DAWN D SHEUE | PO BOX 3986 JACKSON, WY 83001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JAMES A PORTER | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $872 | — | $872 | 2.44% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $656 | — | $656 | 1.83% |
| THE PERRY GROUP INC Filed as: PERRY INC | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $487 | — | $487 | 1.36% |
| MEGAN BECKETT | 4733 APRES VOUS CT RAPID CITY, SD 57703 | AFLAC | $245 | $69 | $314 | 0.88% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $266 | — | $266 | 0.74% |
| AMBER MARIE LIND3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $245 | $8 | $253 | 0.71% |
| ROBERTA JO ANDERSON Filed as: ROBERTA ANDERSON | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $154 | — | $154 | 0.43% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $119 | — | $119 | 0.33% |
| KAREN KIERSTEAD | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $112 | — | $112 | 0.31% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $107 | — | $107 | 0.30% |
| RUSSELL C MOLSTAD JR Filed as: RUSSELL MOLSTAD JR | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $107 | — | $107 | 0.30% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $101 | — | $101 | 0.28% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $99 | — | $99 | 0.28% |
| KAYLA ANN SCHAD | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $79 | $8 | $87 | 0.24% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $69 | — | $69 | 0.19% |
| MARK K VICKERS Filed as: MARK E STERN | 1320 MIDWAY ST RAPID CITY, SD 57701 | AFLAC | $46 | — | $46 | 0.13% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $44 | — | $44 | 0.12% |
| JAMES KASPER | 1128 WESTRAC DR S FARGO, ND 58103 | AFLAC | $42 | — | $42 | 0.12% |
| DESIREE J MENDEL Filed as: DESIREE MENDEL | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $34 | — | $34 | 0.10% |
| LANCE E SULLIVAN Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $33 | — | $33 | 0.09% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $28 | — | $28 | 0.08% |
| DANIEL D LINDBERG ESTATE | PO BOX 762 STANLEY, ND 58784 | AFLAC | $25 | — | $25 | 0.07% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $19 | — | $19 | 0.05% |
| BETH GOODWIN | 4455 SEEAIRE ST RAPID CITY, SD 57702 | AFLAC | $18 | — | $18 | 0.05% |
| WILLIAM A OPSAHL Filed as: WILLIAM OPSAHL | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $15 | — | $15 | 0.04% |
| JOHN C JENSEN Filed as: JOHN JENSEN | 4792 HARVEST DR S FARGO, ND 58104 | AFLAC | $13 | — | $13 | 0.04% |
| WENDY L SWARTZ3 | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $11 | — | $11 | 0.03% |
| DUANE E ROBBINS Filed as: DUANE ROBBINS | 8151 LABRADOR TRL RAPID CITY, SD 57702 | AFLAC | $11 | — | $11 | 0.03% |
| C MCKENZIE | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $11 | — | $11 | 0.03% |
| CAROL A BENDER3 | 2026 OAK RIDGE DR PORTLAND, TX 78374 | AFLAC | $10 | — | $10 | 0.03% |
| BARBARA SIDLE | 3601 PADRE ST RAPID CITY, SD 57703 | AFLAC | $10 | — | $10 | 0.03% |
| JEREMY L TOMLINSON Filed as: JEREMY TOMLINSON | 6305 RUSSETT ST BOISE, ID 83704 | AFLAC | $10 | — | $10 | 0.03% |
| GARY CASE | 26201 BERGSAGEL RD NE POULSBO, WA 98370 | AFLAC | $9 | — | $9 | 0.03% |
| JEREMY E GUTHMILLER Filed as: JEREMY GUTHMILLER | PO BOX 182 TAYLOR, ND 58656 | AFLAC | $8 | — | $8 | 0.02% |
| KRIS L LEDUC Filed as: KRIS LEDUC | 514 AMERICAS WAY #8202 BOX ELDER, SD 57719 | AFLAC | $8 | — | $8 | 0.02% |
| MARIA BARRERA-THOVSON | 107 ALERT ST LEAD, SD 57754 | AFLAC | $8 | — | $8 | 0.02% |
| ALFSON INSURANCE LLC | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $7 | — | $7 | 0.02% |
| BETTY L RUSSOW Filed as: BETTY RUSSOW | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $7 | — | $7 | 0.02% |
| CLAY PEARSON | PO BOX 67 FORT PIERRE, SD 57532 | AFLAC | $6 | — | $6 | 0.02% |
| DAVID P AESOPH3 | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $5 | — | $5 | 0.01% |
| PERFORMANCE PLUS LLC | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $5 | — | $5 | 0.01% |
| CYNTHIA L SAMUELS Filed as: CYNTHIA SAMUELS | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $4 | — | $4 | 0.01% |
| TAMI MULDER | 1707 PENNINGTON ST. RAPID CITY, SD 57703 | AFLAC | $3 | — | $3 | 0.01% |
| SANDRA K GUENOT Filed as: SANDRA SCHUMACHER | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $3 | — | $3 | 0.01% |
| TIMOTHY L CASS Filed as: TIMOTHY CASS | 227 NELTOM DRIVE PIERRE, SD 57501 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM M BARNETT3 | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| KARA M CARMODY Filed as: KARA CARMODY | 718 HOYT AVE E SAINT PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| J KAUFMANN INSURANCE, INC Filed as: J KAUFMANN INSURANCE INC | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $383 | — | $383 | 5.70% |
| MELISSA GRAVES Filed as: MELISSA A GRAVES | 2709 6TH ST NE GREAT FALLS, MT 59404 | AFLAC | $108 | — | $108 | 1.61% |
| WOITH INSURANCE AGENCY INC | PO BOX 6328 GREAT FALLS, MT 59406 | AFLAC | $53 | — | $53 | 0.79% |
| J THEIS & ASSOCIATES INC | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $48 | — | $48 | 0.71% |
| TREVOR G NORENBERG | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $38 | — | $38 | 0.57% |
| LISA M HALL | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $32 | — | $32 | 0.48% |
| CRAIG MICHELSEN | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $14 | — | $14 | 0.21% |
| DEANNE M CUMMINGS | 1739 PARKHILL DR BILLINGS, MT 59102 | AFLAC | $9 | — | $9 | 0.13% |
| MR. KIM CUMMINGS Filed as: MR KIM CUMMINGS | 1739 PARKHILL DR BILLINGS, MT 59102 | AFLAC | $9 | — | $9 | 0.13% |
| JAMES A PORTER | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $5 | — | $5 | 0.07% |
| DAWN D SHEUE | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $2 | — | $2 | 0.03% |
| JANET H BOHNE | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $305 | — | $305 | 5.24% |
| GUENOT ENTERPRISES INC | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $130 | — | $130 | 2.23% |
| SHAWN D BENSER | 422 SEQUOIA DRIVE MAPLETON, ND 58059 | AFLAC | $66 | — | $66 | 1.13% |
| BROOKE A GEDDES | 592 BUTTERCUP CT SPEARFISH, SD 57783 | AFLAC | $26 | — | $26 | 0.45% |
| MICHAEL D EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $22 | — | $22 | 0.38% |
| EUGENE BUTCH LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $18 | — | $18 | 0.31% |
| CAROL A BENDER | 2026 OAK RIDGE DR PORTLAND, TX 78374 | AFLAC | $17 | — | $17 | 0.29% |
| SCOTT C OLSEN | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $16 | — | $16 | 0.27% |
| AMBER MARIE LIND | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $9 | — | $9 | 0.15% |
| WENDY L SWARTZ | 3409 W MAIN ST RAPID CITY, SD 57702 | AFLAC | $9 | — | $9 | 0.15% |
| KEVIN B VINING | 47269 255TH ST RENNER, SD 57055 | AFLAC | $8 | — | $8 | 0.14% |
| MICHAEL D EVANS JR Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $8 | — | $8 | 0.14% |
| DAVID P AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $6 | — | $6 | 0.10% |
| BRADY L WEISENBERGER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $4 | — | $4 | 0.07% |
| STEPHEN C JONES | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $2 | — | $2 | 0.03% |
| JUDITH R SIDES | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $2 | — | $2 | 0.03% |
| JOLYNNE M MACK | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $1 | — | $1 | 0.02% |
| WILLIAM M BARNETT | 703 N SAGEHORN DR HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.02% |
| J KAUFMANN INSURANCE, INC3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $199 | — | $199 | 9.77% |
| GERALD R THEIS JR3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $33 | — | $33 | 1.62% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $5 | — | $5 | 0.25% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $4 | — | $4 | 0.20% |
| DAWN D SHEUE | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $4 | — | $4 | 0.20% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC | $152 | — | $152 | 8.81% |
| J THEIS & ASSOCIATES INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $25 | — | $25 | 1.45% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $14 | — | $14 | 0.81% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $11 | — | $11 | 0.64% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $3 | — | $3 | 0.17% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $3 | — | $3 | 0.17% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 453 | $3.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $330K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $330K |
| Life insurance(6 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $382K |
| Short-term disability(6 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 182 | $186K |
| Prescription drug | BLUECROSS BLUESHIELD OF MONTANA | 453 | $3.5M |
| Other(7 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $516K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.