| 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 | $84K | — | $84K | 2.98% |
| MIRIAM AVERY INSURANCE AGENCY3 | 1690 RIMROCK ROAD STE H BILLINGS, MT 59102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 11.31% |
| J KAUFMANN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $6K | — | $6K | 6.27% |
| DUANE J BINSTOCK3 | 8 MEADOWBROOK BILLINGS, MT 59102 | AFLAC | $4K | — | $4K | 4.20% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $3K | — | $3K | 3.83% |
| DENELLE CHARTIER3 | 1515 RANCHO VISTA AVE BILLINGS, MT 59105 | AFLAC | $3K | — | $3K | 3.17% |
| KAYLA ANN SCHAD3 Filed as: KAYLA SCHAD | 3409 WEST MAIN ST RAPID CITY, SD 57702 | AFLAC | $913 | — | $913 | 1.03% |
| KATHLEEN THERESA VOKRAL3 Filed as: KATHLEEN T VOKRAL | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $697 | — | $697 | 0.78% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 1501 EAST CENTRE ST SUITE 201 RAPID CITY, SD 57703 | AFLAC | $549 | — | $549 | 0.62% |
| J THEIS & ASSOCIATES INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $296 | — | $296 | 0.33% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | AFLAC | $61 | — | $61 | 0.07% |
| LISA M HALL3 | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | AFLAC | $45 | — | $45 | 0.05% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $12 | — | $12 | 0.01% |
| TRENTON FRANDSEN3 | 929 MEADOWLANE AVENUE CODY, WY 82414 | AFLAC | $9 | — | $9 | 0.01% |
| ROBERTA JO ANDERSON3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $7 | — | $7 | 0.01% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $4 | — | $4 | 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 | 2.52% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $690 | — | $690 | 1.66% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $594 | — | $594 | 1.43% |
| EUGENE BUTCH LINSTER3 Filed as: EUGENE LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $315 | — | $315 | 0.76% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $280 | — | $280 | 0.67% |
| ROBERTA JO ANDERSON3 Filed as: ROBERTA ANDERSON | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $232 | — | $232 | 0.56% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $192 | — | $192 | 0.46% |
| RUSSELL C MOLSTAD JR3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $138 | — | $138 | 0.33% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $134 | — | $134 | 0.32% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $127 | — | $127 | 0.31% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $121 | — | $121 | 0.29% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $117 | — | $117 | 0.28% |
| WILLIAM A OPSAHL3 Filed as: WILLIAM OPSAHL | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $103 | — | $103 | 0.25% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $95 | — | $95 | 0.23% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $91 | — | $91 | 0.22% |
| GARY CASE3 | 26201 BERGSAGEL RD NE POULSBO, WA 98370 | AFLAC | $52 | — | $52 | 0.13% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $42 | — | $42 | 0.10% |
| MARK K VICKERS3 Filed as: MARK STERN | 1320 MIDWAY ST RAPID CITY, SD 57701 | AFLAC | $39 | — | $39 | 0.09% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $37 | — | $37 | 0.09% |
| KAYLA ANN SCHAD3 | 2113 HARNEY DR RAPID CITY, SD 57702 | AFLAC | $36 | — | $36 | 0.09% |
| CAROL A BENDER3 Filed as: CAROL BENDER | 2969 ATLANTIC BLVD APT 1114 INGELSIDE, TX 78362 | AFLAC | $33 | — | $33 | 0.08% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $28 | — | $28 | 0.07% |
| DUANE E ROBBINS3 | 2669 CAVERN RD RAPID CITY, SD 57702 | AFLAC | $22 | — | $22 | 0.05% |
| DANIEL D LINDBERG3 Filed as: DANIEL LINDBERG | PO BOX 635 STANLEY, ND 58784 | AFLAC | $21 | — | $21 | 0.05% |
| MARY L SAVOLD3 Filed as: MARY SAVOLD | 3430 S SHELDON LN APT 207 SIOUX FALLS, SD 57105 | AFLAC | $19 | — | $19 | 0.05% |
| DESIREE J MENDEL3 Filed as: DESIREE MENDEL | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $18 | — | $18 | 0.04% |
| JAMES KASPER3 | 1128 WESTRAC DRIVE S FARGO, ND 58103 | AFLAC | $17 | — | $17 | 0.04% |
| WENDY L SWARTZ3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $17 | — | $17 | 0.04% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $14 | — | $14 | 0.03% |
| KRIS L LEDUC3 Filed as: KRIS LEDUC | 514 AMERICAS WAY #8202 BOX ELDER, SD 57719 | AFLAC | $11 | — | $11 | 0.03% |
| JOHN C JENSEN3 Filed as: JOHN JENSEN | 2731 12TH AVE S STE B FARGO, ND 58103 | AFLAC | $11 | — | $11 | 0.03% |
| BETTY L RUSSOW3 Filed as: BETTY RUSSOW | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $9 | — | $9 | 0.02% |
| BARBARA L SIDLE3 | 3601 PADRE DR RAPID CITY, SD 57703 | AFLAC | $8 | — | $8 | 0.02% |
| MARIA BARRERA-THOVSON3 | 107 ALERT ST LEAD, SD 57754 | AFLAC | $7 | — | $7 | 0.02% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $7 | — | $7 | 0.02% |
| MERLE D BIEBER3 | 18932 HUNTLEY TRAIL LAKEVILLE, MN 55044 | AFLAC | $6 | — | $6 | 0.01% |
| SUZANNE BRACEWELL3 | 4717 CROYLE CT RAPID CITY, SD 57702 | AFLAC | $6 | — | $6 | 0.01% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $5 | — | $5 | 0.01% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $4 | — | $4 | 0.01% |
| RENALDUS N WENTZ3 Filed as: RENALDUS WENTZ | 2038 FOREST PARK DRIVE BILLINGS, MT 59102 | AFLAC | $4 | — | $4 | 0.01% |
| TIMOTHY L CASS3 Filed as: TIMOTHY CASS | 227 NELTOM DR PIERRE, SD 57501 | AFLAC | $2 | — | $2 | 0.00% |
| CLAYTON BICKEL3 | 3527 SIMPSON DRIVE RAPID CITY, SD 57702 | AFLAC | $2 | — | $2 | 0.00% |
| SANDRA K GUENOT3 Filed as: SANDRA GUENOT | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $2 | — | $2 | 0.00% |
| CHANCE JOSEPH JANDEL3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $2 | — | $2 | 0.00% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVENUE E ST ST PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| HEIDI ALFSON3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| CLAY PEARSON3 | PO BOX 67 FORT PIERRE, SD 57532 | AFLAC | $1 | — | $1 | 0.00% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M BARNETT3 Filed as: WILLIAM BARNETT | 703 N SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| J KAUFMANN INSURANCE, INC3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $791 | — | $791 | 5.41% |
| J THEIS & ASSOCIATES INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $168 | — | $168 | 1.15% |
| JAKE KAUFMANN3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $146 | — | $146 | 1.00% |
| MELISSA GRAVES3 | 2709 6TH ST NE GREAT FALLS, MT 59404 | AFLAC | $103 | — | $103 | 0.70% |
| RALPH MCDONALD DAYTON3 | 8986 THURSTON RD SPRINGFIELD, OR 97478 | AFLAC | $60 | — | $60 | 0.41% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $53 | — | $53 | 0.36% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $50 | — | $50 | 0.34% |
| WOITH INSURANCE AGENCY INC3 | PO BOX 6328 GREAT FALLS, MT 59406 | AFLAC | $50 | — | $50 | 0.34% |
| MR. KIM CUMMINGS3 Filed as: KIM CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $40 | — | $40 | 0.27% |
| DEANNE M CUMMINGS3 Filed as: DEANNE CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $31 | — | $31 | 0.21% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $23 | — | $23 | 0.16% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $14 | — | $14 | 0.10% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $10 | — | $10 | 0.07% |
| ANDREW G THEIS3 | 2685 PALMER STREET SUITE E MISSOULA, MT 59808 | AFLAC | $9 | — | $9 | 0.06% |
| DARAN L WYCKOFF3 Filed as: DARAN WYCKOFF | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $6 | — | $6 | 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 | $4 | — | $4 | 0.03% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $406 | — | $406 | 4.40% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $163 | — | $163 | 1.77% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $67 | — | $67 | 0.73% |
| BROOKE A GEDDES3 Filed as: BROOKE GEDDES | 705 PRO RODEO DR SPEARFISH, SD 57783 | AFLAC | $53 | — | $53 | 0.57% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $45 | — | $45 | 0.49% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $41 | — | $41 | 0.44% |
| EUGENE BUTCH LINSTER3 Filed as: EUGENE LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $32 | — | $32 | 0.35% |
| DENISE M ERICKSON3 Filed as: DENISE ERICKSON | 2736 LAS VENTANAS TRL FT WORTH, TX 76131 | AFLAC | $32 | — | $32 | 0.35% |
| SUSAN L SOEHREN3 Filed as: SUSAN SOEHREN | 540 VIKING DR RAPID CITY, SD 57701 | AFLAC | $32 | — | $32 | 0.35% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $28 | — | $28 | 0.30% |
| WENDY L SWARTZ3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $20 | — | $20 | 0.22% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $20 | — | $20 | 0.22% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $19 | — | $19 | 0.21% |
| RUSSELL C MOLSTAD JR3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $17 | — | $17 | 0.18% |
| CAROL A BENDER3 Filed as: CAROL BENDER | 2969 ATHLANTIC BLVD APT 1114 INGELSIDE, TX 78362 | AFLAC | $16 | — | $16 | 0.17% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $11 | — | $11 | 0.12% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $7 | — | $7 | 0.08% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $7 | — | $7 | 0.08% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $7 | — | $7 | 0.08% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $6 | — | $6 | 0.06% |
| 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 | $5 | — | $5 | 0.05% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $5 | — | $5 | 0.05% |
| 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 | $317 | — | $317 | 9.65% |
| GERALD R THEIS JR3 Filed as: GERALD THEIS JR | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $52 | — | $52 | 1.58% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $8 | — | $8 | 0.24% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $7 | — | $7 | 0.21% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $7 | — | $7 | 0.21% |
| J KAUFMANN INSURANCE, INC3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $192 | — | $192 | 8.56% |
| J THEIS & ASSOCIATES INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $31 | — | $31 | 1.38% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $21 | — | $21 | 0.94% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $19 | — | $19 | 0.85% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $4 | — | $4 | 0.18% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $4 | — | $4 | 0.18% |
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 | 519 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 490 | $2.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 447 | $299K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 447 | $299K |
| Life insurance(6 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 447 | $370K |
| Short-term disability(6 contracts) | AFLAC | 519 | $160K |
| Prescription drug | BLUECROSS BLUESHIELD OF MONTANA | 490 | $2.8M |
| Other(7 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 519 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.