| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIRIAM AVERY INSURANCE AGENCY3 | 1690 RIMROCK ROAD STE H BILLINGS, MT 59102 | BLUECROSS BLUESHIELD OF MONTANA | $82K | — | $82K | 3.00% |
| MIRIAM AVERY INSURANCE AGENCY3 | 1690 RIMROCK ROAD STE H BILLINGS, MT 59102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 11.29% |
| J KAUFMANN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $7K | — | $7K | 7.00% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $5K | — | $5K | 5.17% |
| DUANE J BINSTOCK3 | 8 MEADOWBROOK BILLINGS, MT 59102 | AFLAC | $5K | — | $5K | 4.97% |
| DENELLE CHARTIER3 | 1515 RANCHO VISTA AVE BILLINGS, MT 59105 | AFLAC | $3K | — | $3K | 3.25% |
| KAYLA ANN SCHAD3 Filed as: KAYLA SCHAD | 3409 WEST MAIN ST RAPID CITY, SD 57702 | AFLAC | $1K | — | $1K | 1.16% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 1501 EAST CENTRE ST SUITE 201 RAPID CITY, SD 57703 | AFLAC | $704 | — | $704 | 0.72% |
| KATHLEEN THERESA VOKRAL3 Filed as: KATHLEEN T VOKRAL | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $687 | — | $687 | 0.70% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $376 | — | $376 | 0.38% |
| TRENTON FRANDSEN3 | 929 MEADOWLANE AVENUE CODY, WY 82414 | AFLAC | $148 | — | $148 | 0.15% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | AFLAC | $54 | — | $54 | 0.06% |
| LISA M HALL3 | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | AFLAC | $44 | — | $44 | 0.04% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $12 | — | $12 | 0.01% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $8 | — | $8 | 0.01% |
| ROBERTA JO ANDERSON3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $3 | — | $3 | 0.00% |
| ANDREW G THEIS3 | 2685 PALMER STREET SUITE E MISSOULA, MT 59808 | AFLAC | $1 | — | $1 | 0.00% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $1K | — | $1K | 2.57% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $810 | — | $810 | 1.66% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $711 | — | $711 | 1.46% |
| EUGENE BUTCH LINSTER3 Filed as: EUGENE LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $372 | — | $372 | 0.76% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $324 | — | $324 | 0.66% |
| ROBERTA JO ANDERSON3 Filed as: ROBERTA ANDERSON | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $194 | — | $194 | 0.40% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $171 | — | $171 | 0.35% |
| RUSSELL C MOLSTAD JR3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $168 | — | $168 | 0.34% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY RD HERMOSA, SD 57744 | AFLAC | $156 | — | $156 | 0.32% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $151 | — | $151 | 0.31% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $142 | — | $142 | 0.29% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $126 | — | $126 | 0.26% |
| WILLIAM A OPSAHL3 Filed as: WILLIAM OPSAHL | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $122 | — | $122 | 0.25% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $106 | — | $106 | 0.22% |
| GARY CASE3 | 26201 BERGSAGEL RD NE POULSBO, WA 98370 | AFLAC | $61 | — | $61 | 0.12% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $48 | — | $48 | 0.10% |
| MARK K VICKERS3 Filed as: MARK STERN | 1320 MIDWAY ST RAPID CITY, SD 57701 | AFLAC | $46 | — | $46 | 0.09% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $44 | — | $44 | 0.09% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $43 | — | $43 | 0.09% |
| CAROL A BENDER3 Filed as: CAROL BENDER | 2969 ATLANTIC BLVD APT 1218 INGELSIDE, TX 78362 | AFLAC | $39 | — | $39 | 0.08% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $34 | — | $34 | 0.07% |
| DESIREE J MENDEL3 Filed as: DESIREE MENDEL | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $31 | — | $31 | 0.06% |
| DUANE E ROBBINS3 | 2669 CAVERN RD RAPID CITY, SD 57702 | AFLAC | $26 | — | $26 | 0.05% |
| KAYLA ANN SCHAD3 | 4802 EDGEWOOD DRIVE RAPID CITY, SD 57702 | AFLAC | $25 | — | $25 | 0.05% |
| DANIEL D LINDBERG3 Filed as: DANIEL LINDBERG | PO BOX 635 STANLEY, ND 58784 | AFLAC | $25 | — | $25 | 0.05% |
| MARY L SAVOLD3 Filed as: MARY SAVOLD | 3430 S SHELDON LN APT 207 SIOUX FALLS, SD 57105 | AFLAC | $22 | — | $22 | 0.05% |
| JAMES KASPER3 | 1128 WESTRAC DRIVE S FARGO, ND 58103 | AFLAC | $20 | — | $20 | 0.04% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $17 | — | $17 | 0.03% |
| KRIS L LEDUC3 Filed as: KRIS LEDUC | 514 AMERICAS WAY #8202 BOX ELDER, SD 57719 | AFLAC | $13 | — | $13 | 0.03% |
| BETTY L RUSSOW3 Filed as: BETTY RUSSOW | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $11 | — | $11 | 0.02% |
| BARBARA L SIDLE3 | 3601 PADRE DR RAPID CITY, SD 57703 | AFLAC | $10 | — | $10 | 0.02% |
| RHONDA WENBERG3 | 3 BENT TREE DR LITTLE ROCK, AR 72212 | AFLAC | $9 | — | $9 | 0.02% |
| JOHN C JENSEN3 Filed as: JOHN JENSEN | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $9 | — | $9 | 0.02% |
| MARIA BARRERA-THOVSON3 | 107 ALERT ST LEAD, SD 57754 | AFLAC | $8 | — | $8 | 0.02% |
| MERLE D BIEBER3 | 18932 HUNTLEY TRAIL LAKEVILLE, MN 55044 | AFLAC | $8 | — | $8 | 0.02% |
| SUZANNE BRACEWELL3 | 4717 CROYLE CT RAPID CITY, SD 57702 | AFLAC | $6 | — | $6 | 0.01% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 8465 W WINCHESTER DR BOISE, ID 83704 | AFLAC | $5 | — | $5 | 0.01% |
| RENALDUS N WENTZ3 Filed as: RENALDUS WENTZ | 2038 FOREST PARK DRIVE BILLINGS, MT 59102 | AFLAC | $5 | — | $5 | 0.01% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL WILLIAMS3 | 748 S MEADOWS PKWY STE A9-315 RENO, NV 89521 | AFLAC | $4 | — | $4 | 0.01% |
| AMANDA JEAN WEBSTER3 Filed as: AMANDA WEBSTER | PO BOX 365 MOBRIDGE, SD 57601 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $3 | — | $3 | 0.01% |
| TIMOTHY L CASS3 Filed as: TIMOTHY CASS | 227 NELTOM DR PIERRE, SD 57501 | AFLAC | $3 | — | $3 | 0.01% |
| CLAYTON BICKEL3 | 3527 SIMPSON DRIVE RAPID CITY, SD 57702 | AFLAC | $3 | — | $3 | 0.01% |
| SANDRA K GUENOT3 Filed as: SANDRA GUENOT | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $3 | — | $3 | 0.01% |
| CAMBRIA WILLIAMS3 | 748 S MEADOWS PKWY STE A9-315 RENO, NV 89521 | AFLAC | $2 | — | $2 | 0.00% |
| KEVIN KARES3 | 208 TURKEY CREEK WAY HENDERSON, NV 89074 | AFLAC | $2 | — | $2 | 0.00% |
| KEVIN CURTIS3 | 401 RYLAND ST STE 204 RENO, NV 89502 | AFLAC | $1 | — | $1 | 0.00% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVENUE E ST ST PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| THE PROFECTUS GROUP LLC3 | 450 W WILSON BRIDGE RD STE 110 WORTHINGTON, OH 43085 | AFLAC | $1 | — | $1 | 0.00% |
| J KAUFMANN INSURANCE, INC3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $974 | — | $974 | 5.56% |
| JAKE KAUFMANN3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $219 | — | $219 | 1.25% |
| J THEIS & ASSOCIATES INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $215 | — | $215 | 1.23% |
| MELISSA GRAVES3 | 220 6TH ST S GREAT FALLS, MT 59405 | AFLAC | $112 | — | $112 | 0.64% |
| SARAH A SKOPIL3 Filed as: SARAH SKOPIL | 1073 N POND RD EUGENE, OR 97401 | AFLAC | $66 | — | $66 | 0.38% |
| LISA M HALL3 | 2542 E SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $59 | — | $59 | 0.34% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $55 | — | $55 | 0.31% |
| WOITH INSURANCE AGENCY INC3 | 1725 41ST ST S GREAT FALLS, MT 59405 | AFLAC | $55 | — | $55 | 0.31% |
| NICHOLAS R HILL3 Filed as: NICHOLAS HILL | 3845 VISTA VIEW RD BILLINGS, MT 59101 | AFLAC | $48 | — | $48 | 0.27% |
| MR. KIM CUMMINGS3 Filed as: KIM CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $44 | — | $44 | 0.25% |
| DEANNE M CUMMINGS3 Filed as: DEANNE CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $34 | — | $34 | 0.19% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $26 | — | $26 | 0.15% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $15 | — | $15 | 0.09% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $11 | — | $11 | 0.06% |
| ANDREW G THEIS3 | 2685 PALMER STREET SUITE E MISSOULA, MT 59808 | AFLAC | $10 | — | $10 | 0.06% |
| DARAN L WYCKOFF3 Filed as: DARAN WYCKOFF | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $7 | — | $7 | 0.04% |
| JAMES R HILL JR3 Filed as: JAMES HILL JR | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $5 | — | $5 | 0.03% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $5 | — | $5 | 0.03% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $465 | — | $465 | 4.32% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $164 | — | $164 | 1.52% |
| BROOKE A GEDDES3 Filed as: BROOKE GEDDES | 2492 TUMBLE WEED TRAIL SPEARFISH, SD 57783 | AFLAC | $76 | — | $76 | 0.71% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $74 | — | $74 | 0.69% |
| EUGENE BUTCH LINSTER3 Filed as: EUGENE LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $69 | — | $69 | 0.64% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $52 | — | $52 | 0.48% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $36 | — | $36 | 0.33% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $32 | — | $32 | 0.30% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $31 | — | $31 | 0.29% |
| KEVIN B VINING3 | 24747 HIDDEN VALLEY RD HERMOSA, SD 57744 | AFLAC | $31 | — | $31 | 0.29% |
| WENDY L SWARTZ3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $30 | — | $30 | 0.28% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $21 | — | $21 | 0.20% |
| CAROL A BENDER3 Filed as: CAROL BENDER | 2969 ATHLANTIC BLVD APT 1218 INGELSIDE, TX 78362 | AFLAC | $17 | — | $17 | 0.16% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $10 | — | $10 | 0.09% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $8 | — | $8 | 0.07% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $8 | — | $8 | 0.07% |
| DENISE M ERICKSON3 Filed as: DENISE ERICKSON | 2736 LAS VENTANAS TRL FT WORTH, TX 76131 | AFLAC | $8 | — | $8 | 0.07% |
| SUSAN L SOEHREN3 Filed as: SUSAN SOEHREN | 540 VIKING DR RAPID CITY, SD 57701 | AFLAC | $8 | — | $8 | 0.07% |
| RHONDA WENBERG3 | 3 BENT TREE DR LITTLE ROCK, AR 72212 | AFLAC | $8 | — | $8 | 0.07% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $6 | — | $6 | 0.06% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $6 | — | $6 | 0.06% |
| RUSSELL C MOLSTAD JR3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $4 | — | $4 | 0.04% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $4 | — | $4 | 0.04% |
| 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 | $346 | — | $346 | 9.65% |
| GERALD R THEIS JR3 Filed as: GERALD THEIS JR | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $56 | — | $56 | 1.56% |
| LISA M HALL3 | 2542 E SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $9 | — | $9 | 0.25% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $7 | — | $7 | 0.20% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $7 | — | $7 | 0.20% |
| J KAUFMANN INSURANCE, INC3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $209 | — | $209 | 8.54% |
| J THEIS & ASSOCIATES INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $34 | — | $34 | 1.39% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $23 | — | $23 | 0.94% |
| LISA M HALL3 | 2542 E SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $20 | — | $20 | 0.82% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $5 | — | $5 | 0.20% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $5 | — | $5 | 0.20% |
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 | 488 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 488 | $2.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $244K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $244K |
| Life insurance(6 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 460 | $327K |
| Short-term disability(6 contracts) | AFLAC | 472 | $181K |
| Prescription drug | BLUECROSS BLUESHIELD OF MONTANA | 488 | $2.7M |
| Other(7 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 472 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.