| 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 | $54K | — | $54K | 3.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE | 501 N RIVERPOINT BLVD #403 SPOKANE, WA 99202 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $8K | $29K | 14.93% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.52% |
| J KAUFMAN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 14.57% |
| DUANE J BINSTOCK3 | 8 MEADOWBROOK BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.36% |
| JONATHAN N GEALON3 | 523 BEEBE RD CENTRAL POINT, OR 97502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| GERALD R THEIS JR3 Filed as: GERALD R THEIS, JR. | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.34% |
| STEFFANIE DESAUTEL3 | 2566 FONTAIN CL MEDFORD, OR 97504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.01% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RS RAPID CITY, SD 57702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.67% |
| LISA M HALL3 | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $163 | — | $163 | 0.26% |
| KEEFE BURCHER3 Filed as: KEEFE P BURCHER | 520 JEFFERSON KLAMATH FALLS, OR 97601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | — | $135 | 0.21% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | — | $126 | 0.20% |
| ANDREW G THEIS3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.19% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 1501 EAST CENTRE ST SUITE 201 RAPID CITY, SD 57703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.18% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.06% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.04% |
| LL BERRY LTD3 | 2456 32ND ST W BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| CRYSTAL STILES3 | 2581 WHITTLE AVE MEDFORD, OR 97504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| PAUL HANNANT3 Filed as: PAUL M HANNANT | 7180 SW FIR LOOP SUITE 250 TIGARD, OR 97223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| J KAUFMAN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $2K | $86 | $2K | 7.56% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $306 | $14 | $320 | 1.24% |
| MELISSA GRAVES3 | 220 6TH STREET S GREAT FALLS, MT 59405 | AFLAC | $183 | — | $183 | 0.71% |
| WOITH INSURANCE AGENCY INC3 | 1725 41ST STREET S GREAT FALLS, MT 59405 | AFLAC | $99 | — | $99 | 0.39% |
| NICHOLAS R HILL3 | 3845 VISTA VIEW RD BILLINGS, MT 59101 | AFLAC | $97 | — | $97 | 0.38% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | AFLAC | $77 | — | $77 | 0.30% |
| LISA M HALL3 | 8601 TURNPIKE DRIVE STE 206 WESTMINSTER, CO 80031 | AFLAC | $70 | — | $70 | 0.27% |
| RALPH MCDONALD DAYTON3 | 8986 THURSTON RD SPRINGFIELD, IL 97478 | AFLAC | $67 | — | $67 | 0.26% |
| RALPH MCDONALD DAYTON3 | 1573 BALBOA STREET EUGENE, OR 97408 | AFLAC | $56 | — | $56 | 0.22% |
| MR. KIM CUMMINGS3 Filed as: MR KIM CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $42 | — | $42 | 0.16% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $40 | — | $40 | 0.16% |
| DEANNE M CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $30 | — | $30 | 0.12% |
| ANDREW G THEIS3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $25 | — | $25 | 0.10% |
| MELISSA GRAVES3 | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $18 | — | $18 | 0.07% |
| TREVOR G NORENBERG3 | 11225 N 28TH DR STE C216 PHOENIX, AZ 85029 | AFLAC | $18 | — | $18 | 0.07% |
| SUSAN M KAHN3 | 8625 CUT THROAT DRIVE BILLINGS, MT 59106 | AFLAC | $15 | — | $15 | 0.06% |
| MICHAEL A MAYER3 | PO BOX 5625 PASCO, WA 99302 | AFLAC | $9 | — | $9 | 0.04% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $8 | — | $8 | 0.03% |
| JAMES R HILL JR3 | 7021 MARSEILLES CT SUMMERFIELD, NC 27358 | AFLAC | $5 | — | $5 | 0.02% |
| DARAN L WYCKOFF3 | 505 N ARGONNE BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $4 | — | $4 | 0.02% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $4 | — | $4 | 0.02% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $2 | — | $2 | 0.01% |
| J KAUFMAN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $1K | — | $1K | 9.16% |
| GERALD R THEIS JR3 Filed as: GERALD R THEIS, JR. | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $196 | — | $196 | 1.48% |
| CRYSTAL STILES3 | 401 BARNES AVE MEDFORD, OR 97504 | AFLAC | $41 | — | $41 | 0.31% |
| LISA M HALL3 | 8601 TURNPIKE DRIVE STE 206 WESTMINSTER, CO 80031 | AFLAC | $20 | — | $20 | 0.15% |
| J KAUFMAN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $516 | — | $516 | 9.64% |
| GERALD R THEIS JR3 Filed as: GERALD R THEIS, JR. | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $83 | — | $83 | 1.55% |
| LISA M HALL3 | 8601 TURNPIKE DRIVE STE 206 WESTMINSTER, CO 80031 | AFLAC | $8 | — | $8 | 0.15% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $5 | — | $5 | 0.09% |
| J KAUFMAN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $413 | — | $413 | 7.79% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $68 | — | $68 | 1.28% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | AFLAC | $36 | — | $36 | 0.68% |
| LISA M HALL3 | 8601 TURNPIKE DRIVE STE 206 WESTMINSTER, CO 80031 | AFLAC | $30 | — | $30 | 0.57% |
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 | 401 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 401 | $1.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 394 | $193K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 394 | $193K |
| Life insurance(5 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 394 | $242K |
| Short-term disability(5 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 244 | $113K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 401 | $1.6M |
| Other(5 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 394 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.