| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL S BONVILLE3 | 11740 SW 68TH PARKWAY STE 200 PORTLAND, OR 97223 | PACIFICSOURCE HEALTH PLANS | $25K | — | $25K | 1.39% |
| HOWARD J STAGG3 | PO BOX 20977 BILLINGS, MT 59104 | PACIFICSOURCE HEALTH PLANS | $10K | — | $10K | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | 811 NORTH COAST HIGHWAY NEWPORT, OR 97365 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $9K | $26K | 13.49% |
| MIRIAM AVERY INSURANCE AGENCY3 | 1400 POLY DRIVE 9 BC BILLINGS, MT 59102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.80% |
| J KAUFMANN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 15.45% |
| DUANE J BINSTOCK3 | 8 MEADOWBROOK BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.33% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.07% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.55% |
| STEFFANIE DESAUTEL3 | 2566 FONTAINE CL MEDFORD, OR 97504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.36% |
| JONATHAN N GEALON3 | 523 BEEBE RD CENTRAL POINT, OR 97502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $330 | — | $330 | 0.49% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 1501 EAST CENTRE ST SUITE 201 RAPID CITY, SD 57703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | — | $251 | 0.38% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 0.18% |
| LISA M HALL3 | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.16% |
| ANDREW G THEIS3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.05% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.04% |
| LL BERRY LTD3 | 2456 32ND ST W BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.03% |
| CRYSTAL STILES3 | 2581 WHITTLE AVE MEDFORD, OR 97504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| PAUL HANNANT3 Filed as: PAUL M HANNANT | 7180 SW FIR LOOP SUITE 250 TIGARD, OR 97223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KEEFE BURCHER3 Filed as: KEEFE P BURCHER | 520 JEFFERSON KLAMATH FALLS, OR 97601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| J KAUFMAN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $2K | — | $2K | 6.79% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $272 | — | $272 | 1.11% |
| MELISSA GRAVES3 | 220 6TH STREET S GREAT FALLS, MT 59405 | AFLAC | $216 | — | $216 | 0.88% |
| NICHOLAS R HILL3 | 3845 VISTA VIEW RD BILLINGS, MT 59101 | AFLAC | $109 | — | $109 | 0.45% |
| WOITH INSURANCE AGENCY INC3 | 1725 41ST STREET S GREAT FALLS, MT 59405 | AFLAC | $107 | — | $107 | 0.44% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $100 | — | $100 | 0.41% |
| RALPH MCDONALD DAYTON3 | 8986 THURSTON RD SPRINGFIELD, OR 97478 | AFLAC | $87 | — | $87 | 0.36% |
| TREVOR G NORENBERG3 | 6529 SAHALEE CT RAPID CITY, SD 57702 | AFLAC | $61 | — | $61 | 0.25% |
| MR. KIM CUMMINGS3 Filed as: MR KIM CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $44 | — | $44 | 0.18% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $43 | — | $43 | 0.18% |
| DEANNE M CUMMINGS3 | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $34 | — | $34 | 0.14% |
| ANDREW G THEIS3 | 2685 PALMER ST STE E MISSOULA, MT 59808 | AFLAC | $26 | — | $26 | 0.11% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | AFLAC | $25 | — | $25 | 0.10% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $19 | — | $19 | 0.08% |
| MICHAEL A MAYER3 | PO BOX 5625 PASCO, WA 99302 | AFLAC | $15 | — | $15 | 0.06% |
| ANDREW G THEIS3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $9 | — | $9 | 0.04% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $7 | — | $7 | 0.03% |
| JAMES R HILL JR3 | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $5 | — | $5 | 0.02% |
| DARAN L WYCKOFF3 | PO BOX 952 SPOKANE VALLEY, WA 99037 | AFLAC | $5 | — | $5 | 0.02% |
| DARAN L WYCKOFF3 | 505 N ARGONNE BLDG C SPOKANE VALLEY, WA 99212 | AFLAC | $2 | — | $2 | 0.01% |
| CASEY DALE HOBSON3 | 13320 W REDWICK DR BOISE, ID 83713 | AFLAC | $1 | — | $1 | 0.00% |
| J KAUFMANN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $1K | — | $1K | 9.12% |
| GERALD R THEIS JR3 Filed as: GERALD R THEIS, JR. | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $185 | — | $185 | 1.48% |
| CRYSTAL STILES3 | PO BOX 1434 PHOENIX, OR 97535 | AFLAC | $38 | — | $38 | 0.30% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $30 | — | $30 | 0.24% |
| GAIL A MITCHELL3 | 598 VISTA PARK DR EAGLE POINT, OR 97524 | AFLAC | $11 | — | $11 | 0.09% |
| KEEFE BURCHER3 Filed as: KEEFE P BURCHER | 201 W MAIN ST STE 4A MEDFORD, OR 97501 | AFLAC | $9 | — | $9 | 0.07% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL MICHAEL HANNANT | 7180 SW FIR LOOP SUITE 250 TIGARD, OR 97223 | AFLAC | $4 | — | $4 | 0.03% |
| IOANNIS T GRATSINOPOULOS3 | 3565 SUMMERLINN DR WEST LINN, OR 97068 | AFLAC | $1 | — | $1 | 0.01% |
| MARCI MARIE OTIS3 | 200 JULINA LN ROSEBURG, OR 97471 | AFLAC | $1 | — | $1 | 0.01% |
| J KAUFMANN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $563 | — | $563 | 9.64% |
| GERALD R THEIS JR3 Filed as: GERALD R THEIS, JR. | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $91 | — | $91 | 1.56% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $14 | — | $14 | 0.24% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $12 | — | $12 | 0.21% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $12 | — | $12 | 0.21% |
| J KAUFMANN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $338 | — | $338 | 6.97% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $59 | — | $59 | 1.22% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $54 | — | $54 | 1.11% |
| DAVID HINCHCLIFF3 | 7005 SKYLARK DR MANHATTAN, MT 59741 | AFLAC | $34 | — | $34 | 0.70% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $31 | — | $31 | 0.64% |
| TREVOR G NORENBERG3 | 6529 SAHALEE CT RAPID CITY, SD 57702 | AFLAC | $26 | — | $26 | 0.54% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL RD MANHATTAN, MT 59741 | AFLAC | $13 | — | $13 | 0.27% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | AFLAC | $9 | — | $9 | 0.19% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $8 | — | $8 | 0.16% |
| SHAWN D SYVERSON3 | 81 8TH ST STE 12 BELGRADE, MT 59714 | AFLAC | $7 | — | $7 | 0.14% |
| JAMES R HILL JR3 | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $5 | — | $5 | 0.10% |
| CARLA A MCENTIRE3 | 81 8TH ST STE 12 BELGRADE, MT 59714 | AFLAC | $4 | — | $4 | 0.08% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $1 | — | $1 | 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 | 304 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PACIFICSOURCE HEALTH PLANS | 340 | $1.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $192K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $192K |
| Life insurance(5 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 303 | $240K |
| Short-term disability(5 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 304 | $115K |
| Prescription drug | PACIFICSOURCE HEALTH PLANS | 340 | $1.8M |
| Other(6 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.