| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD J STAGG3 | PO BOX 20977 BILLINGS, MT 59104 | PACIFICSOURCE HEALTH PLANS | $48K | — | $48K | 2.87% |
| MIRIAM AVERY INSURANCE AGENCY3 | 1400 POLY DRIVE 9 BC BILLINGS, MT 59102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.72% |
| J KAUFMANN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 14.42% |
| DUANE J BINSTOCK3 | 8 MEADOWBROOK BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.78% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.29% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.43% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 1501 EAST CENTRE ST SUITE 201 RAPID CITY, SD 57703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $289 | — | $289 | 0.43% |
| KAYLA ANN SCHAD3 Filed as: KAYLA SCHAD | 3409 WEST MAIN ST RAPID CITY, SD 57702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.22% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.16% |
| ROBERTA JO ANDERSON3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.13% |
| LISA M HALL3 | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.12% |
| STEFFANIE DESAUTEL3 | 2566 FONTAINE CL MEDFORD, OR 97504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.06% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| JONATHAN N GEALON3 | 523 BEEBE RD CENTRAL POINT, OR 97502 | 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% |
| ANDREW G THEIS3 | 2685 PALMER STREET SUITE E MISSOULA, MT 59808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| J KAUFMANN INSURANCE, INC3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $1K | — | $1K | 5.98% |
| JAKE KAUFMANN3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $248 | — | $248 | 1.20% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DRIVE LAUREL, MT 59044 | AFLAC | $228 | — | $228 | 1.10% |
| MELISSA GRAVES3 | 220 6TH STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $206 | — | $206 | 1.00% |
| WOITH INSURANCE AGENCY INC3 Filed as: WOITH INSURANCE AGENCY INC. | 1725 41ST STREET S GREAT FALLS, MT 59405 | AFLAC | $102 | — | $102 | 0.49% |
| NICHOLAS R HILL3 Filed as: NICHOLAS HILL | 3845 VISTA VIEW ROAD BILLINGS, MT 59101 | AFLAC | $96 | — | $96 | 0.47% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $77 | — | $77 | 0.37% |
| SARAH A SKOPIL3 Filed as: SARAH SKOPIL | 1073 N POND RD EUGENE, OR 97401 | AFLAC | $66 | — | $66 | 0.32% |
| TREVOR NORENBERG3 | 4552 LAHINCH STREET RAPID CITY, SD 57702 | AFLAC | $60 | — | $60 | 0.29% |
| MR. KIM CUMMINGS3 Filed as: KIM CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $44 | — | $44 | 0.21% |
| ANDREW G THEIS3 | 2685 PALMER STREET SUITE E MISSOULA, MT 59808 | AFLAC | $35 | — | $35 | 0.17% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 1228 25TH AVENUE SW GREAT FALLS, MT 59404 | AFLAC | $35 | — | $35 | 0.17% |
| DEANNE M CUMMINGS3 Filed as: DEANNE CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $34 | — | $34 | 0.16% |
| MICHAEL A MAYER3 Filed as: MICHAEL MAYER | PO BOX 5625 PASCO, WA 99302 | AFLAC | $15 | — | $15 | 0.07% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $14 | — | $14 | 0.07% |
| DARAN L WYCKOFF3 Filed as: DARAN WYCKOFF | 2907 E 64TH CT SPOKANE, WA 99223 | AFLAC | $7 | — | $7 | 0.03% |
| JAMES R HILL JR3 Filed as: JAMES HILL JR | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $5 | — | $5 | 0.02% |
| DAWN D SHEUE3 Filed as: DAWN SHEUE | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $5 | — | $5 | 0.02% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $590 | — | $590 | 5.09% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $167 | — | $167 | 1.44% |
| EUGENE BUTCH LINSTER3 Filed as: EUGENE LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $115 | — | $115 | 0.99% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PARKWAY S SUITE C FARGO, ND 58104 | AFLAC | $75 | — | $75 | 0.65% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $59 | — | $59 | 0.51% |
| KEVIN B VINING3 Filed as: KEVIN VINING | 24747 HIDDEN VALLEY RD HERMOSA, SD 57744 | AFLAC | $56 | — | $56 | 0.48% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $47 | — | $47 | 0.41% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $33 | — | $33 | 0.28% |
| AMANDA JEAN WEBSTER3 Filed as: AMANDA WEBSTER | PO BOX 365 MOBRIDGE, SD 57601 | AFLAC | $30 | — | $30 | 0.26% |
| AMBER MARIE LIND3 Filed as: AMBER LIND | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $25 | — | $25 | 0.22% |
| JUDITH R SIDES3 Filed as: JUDITH SIDES | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $23 | — | $23 | 0.20% |
| CAROL A BENDER3 Filed as: CAROL BENDER | 2091 LAKEVIEW SOUTH DRIVE INGLESIDE, TX 78362 | AFLAC | $18 | — | $18 | 0.16% |
| STEPHEN C JONES3 Filed as: STEPHEN JONES | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $18 | — | $18 | 0.16% |
| KAYLA ANN SCHAD3 Filed as: KAYLA SCHAD | 4802 EDGEWOOD DRIVE RAPID CITY, SD 57702 | AFLAC | $15 | — | $15 | 0.13% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $9 | — | $9 | 0.08% |
| CYNTHIA L SAMUELS3 Filed as: CYNTHIA SAMUELS | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $9 | — | $9 | 0.08% |
| RHONDA WENBERG3 | 3 BENT TREE DRIVE LITTLE ROCK, AR 72212 | AFLAC | $8 | — | $8 | 0.07% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PARKWAY S SUITE C FARGO, ND 58104 | AFLAC | $6 | — | $6 | 0.05% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $5 | — | $5 | 0.04% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $4 | — | $4 | 0.03% |
| WILLIAM M BARNETT3 Filed as: WILLIAM BARNETT | 703 N SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.01% |
| J KAUFMANN INSURANCE, INC3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $481 | — | $481 | 9.64% |
| GERALD R THEIS JR3 Filed as: GERALD THEIS JR | 1825 DUVAL DRIVE LAUREL, MT 59044 | AFLAC | $78 | — | $78 | 1.56% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $12 | — | $12 | 0.24% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $10 | — | $10 | 0.20% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 1228 25TH AVENUE SW GREAT FALLS, MT 59404 | AFLAC | $10 | — | $10 | 0.20% |
| J KAUFMANN INSURANCE, INC3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $300 | — | $300 | 6.07% |
| VERNON LINDSTRAND3 | 3908 16TH AVENUE SOUTH GREAT FALLS, MT 59405 | AFLAC | $66 | $43 | $109 | 2.20% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DRIVE LAUREL, MT 59044 | AFLAC | $48 | — | $48 | 0.97% |
| TREVOR G NORENBERG3 | 4552 LAHINCH STREET RAPID CITY, SD 57702 | AFLAC | $35 | — | $35 | 0.71% |
| DAVID HINCHCLIFF3 | 7005 SKYLARK DRIVE MANHATTAN, MT 59741 | AFLAC | $34 | — | $34 | 0.69% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $34 | — | $34 | 0.69% |
| BARBARA WOITH3 | 1725 41ST STREET S GREAT FALLS, MT 59405 | AFLAC | $22 | $9 | $31 | 0.63% |
| LISA HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $30 | — | $30 | 0.61% |
| CARLA A MCENTIRE3 Filed as: CARLA MCENTIRE | 81 8TH STREET SUITE 12 BELGRADE, MT 59714 | AFLAC | $12 | $9 | $21 | 0.42% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL ROAD MANHATTAN, MT 59741 | AFLAC | $13 | — | $13 | 0.26% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 1228 25TH AVENUE SW GREAT FALLS, MT 59404 | AFLAC | $7 | — | $7 | 0.14% |
| JAMES R HILL JR3 Filed as: JAMES HILL JR | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $5 | — | $5 | 0.10% |
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) | PACIFICSOURCE HEALTH PLANS | 339 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $154K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $154K |
| Life insurance(5 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 298 | $196K |
| Short-term disability(5 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 361 | $110K |
| Prescription drug | PACIFICSOURCE HEALTH PLANS | 339 | $1.7M |
| Other(6 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $264K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.