| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE | 3289 GABEL ROAD BILLINGS, MT 59102 | HEALTH CARE SERVICE CORPORATION | $45K | $8K | $53K | 3.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE | PO BOX 30638 BILLINGS, MT 59107 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $7K | $25K | 14.82% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.76% |
| J KAUFMAN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 19.90% |
| DUANE J BINSTOCK3 | 8 MEADOWBROOK BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.14% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RS RAPID CITY, SD 57702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.58% |
| GERALD R THEIS JR3 Filed as: GERALD R THEIS, JR. | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| JONATHAN N GEALON3 | 523 BEEBE RD CENTRAL POINT, OR 97502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.71% |
| LISA M HALL3 | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $768 | — | $768 | 1.84% |
| CRYSTAL STILES3 | 2581 WHITTLE AVE MEDFORD, OR 97504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | — | $298 | 0.71% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | — | $155 | 0.37% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | — | $141 | 0.34% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.31% |
| ANDREW G THEIS3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.20% |
| KEEFE BURCHER3 Filed as: KEEFE P BURCHER | 520 JEFFERSON KLAMATH FALLS, OR 97601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.13% |
| PAUL HANNANT3 Filed as: PAUL M HANNANT | 7180 SW FIR LOOP SUITE 250 TIGARD, OR 97223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 1501 EAST CENTRE ST SUITE 201 RAPID CITY, SD 57703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
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 | 361 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 337 | $1.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $167K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $167K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $167K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 234 | $42K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 337 | $1.3M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.