| 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 | $94K | — | $94K | 3.01% |
| MIRIAM AVERY INSURANCE AGENCY3 | 1690 RIMROCK ROAD STE H BILLINGS, MT 59102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 11.28% |
| J KAUFMANN INSURANCE, INC3 | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $9K | — | $9K | 14.57% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $5K | — | $5K | 8.42% |
| DUANE J BINSTOCK3 | 8 MEADOWBROOK BILLINGS, MT 59102 | AFLAC | $3K | — | $3K | 5.38% |
| DENELLE CHARTIER3 | 1515 RANCHO VISTA AVE BILLINGS, MT 59105 | AFLAC | $2K | — | $2K | 3.40% |
| KAYLA ANN SCHAD3 Filed as: KAYLA SCHAD | 3409 WEST MAIN ST RAPID CITY, SD 57702 | AFLAC | $2K | — | $2K | 2.44% |
| CHERYL LORRAINE JOHNSON3 | 1129 HALLEY AVE RAPID CITY, SD 57702 | AFLAC | $1K | — | $1K | 2.01% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 1501 EAST CENTRE ST SUITE 201 RAPID CITY, SD 57703 | AFLAC | $922 | — | $922 | 1.46% |
| J THEIS & ASSOCIATES INC3 | 1825 DUVAL DR LAUREL, MT 59044 | AFLAC | $433 | — | $433 | 0.68% |
| KATHLEEN THERESA VOKRAL3 Filed as: KATHLEEN T VOKRAL | 2048 OVERLAND AVE STE 202 BILLINGS, MT 59102 | AFLAC | $329 | — | $329 | 0.52% |
| SARAH ELISE CONLEY3 | 419 WOODLAND AVE LAUREL, MT 59044 | AFLAC | $292 | — | $292 | 0.46% |
| LISA M HALL3 | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | AFLAC | $243 | — | $243 | 0.38% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | AFLAC | $63 | — | $63 | 0.10% |
| TREVOR G NORENBERG3 | 10000 NORTH 31ST AVE PHOENIX, AZ 85051 | AFLAC | $34 | — | $34 | 0.05% |
| MEGAN BERNHARDT3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $34 | — | $34 | 0.05% |
| 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 | $2 | — | $2 | 0.00% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $883 | — | $883 | 2.41% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $680 | — | $680 | 1.86% |
| THE PERRY GROUP INC3 Filed as: PERRY INC | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $511 | — | $511 | 1.40% |
| EUGENE BUTCH LINSTER3 Filed as: EUGENE LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $302 | — | $302 | 0.83% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $225 | $3 | $228 | 0.62% |
| ROBERTA JO ANDERSON3 Filed as: ROBERTA ANDERSON | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $159 | — | $159 | 0.43% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $136 | — | $136 | 0.37% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $124 | — | $124 | 0.34% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $115 | — | $115 | 0.31% |
| RUSSELL C MOLSTAD JR3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $108 | — | $108 | 0.30% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $105 | — | $105 | 0.29% |
| KAREN KIERSTEAD3 | PO BOX 627 RAPID CITY, SD 57709 | AFLAC | $103 | — | $103 | 0.28% |
| JANET H BOHNE3 | 4510 SHERIDAN LAKE RD RAPID CITY, SD 57702 | AFLAC | $95 | — | $95 | 0.26% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $70 | — | $70 | 0.19% |
| DESIREE J MENDEL3 Filed as: DESIREE MENDEL | PO BOX 33 CAPUTA, SD 57725 | AFLAC | $50 | $15 | $65 | 0.18% |
| MARK K VICKERS3 Filed as: MARK STERN | 1320 MIDWAY ST RAPID CITY, SD 57701 | AFLAC | $42 | — | $42 | 0.11% |
| LANCE E SULLIVAN3 Filed as: LANCE SULLIVAN | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $40 | — | $40 | 0.11% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $35 | — | $35 | 0.10% |
| WILLIAM A OPSAHL3 Filed as: WILLIAM OPSAHL | PO BOX 7033 PIERRE, SD 57501 | AFLAC | $28 | — | $28 | 0.08% |
| WENDY L SWARTZ3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $28 | — | $28 | 0.08% |
| KAYLA ANN SCHAD3 | 2113 HARNEY DR RAPID CITY, SD 57702 | AFLAC | $28 | — | $28 | 0.08% |
| JAMES KASPER3 | 1128 WESTRAC DRIVE S FARGO, ND 58103 | AFLAC | $25 | — | $25 | 0.07% |
| BETH A GOODWIN3 | 4455 SEEAIRE ST RAPID CITY, SD 57702 | AFLAC | $22 | $3 | $25 | 0.07% |
| DANIEL D LINDBERG3 Filed as: DANIEL LINDBERG | PO BOX 635 STANLEY, ND 58784 | AFLAC | $23 | — | $23 | 0.06% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | AFLAC | $19 | — | $19 | 0.05% |
| CAROL A BENDER3 Filed as: CAROL BENDER | 2026 OAK RIDGE DR PORTLAND, TX 78374 | AFLAC | $15 | — | $15 | 0.04% |
| JOHN C JENSEN3 Filed as: JOHN JENSEN | 4792 HARVEST DR S FARGO, ND 58104 | AFLAC | $12 | — | $12 | 0.03% |
| DUANE E ROBBINS3 | 8151 LABRADOR TRL RAPID CITY, SD 57702 | AFLAC | $11 | — | $11 | 0.03% |
| C SUE MCKENZIE3 | 10016 W BOLIVAR DR SUN CITY, AZ 85351 | AFLAC | $11 | — | $11 | 0.03% |
| BETTY L RUSSOW3 Filed as: BETTY RUSSOW | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $10 | — | $10 | 0.03% |
| BARBARA L SIDLE3 | 3601 PADRE DR RAPID CITY, SD 57703 | AFLAC | $9 | — | $9 | 0.02% |
| GARY CASE3 | 26201 BERGSAGEL RD NE POULSBO, WA 98370 | AFLAC | $8 | — | $8 | 0.02% |
| MARIA BARRERA-THOVSON3 | 107 ALERT ST LEAD, SD 57754 | AFLAC | $8 | — | $8 | 0.02% |
| KRIS L LEDUC3 Filed as: KRIS LEDUC | 514 AMERICAS WAY #8202 BOX ELDER, SD 57719 | AFLAC | $7 | — | $7 | 0.02% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $7 | — | $7 | 0.02% |
| TAMI MULDER3 | 1707 PENNINGTON ST RAPID CITY, SD 57703 | AFLAC | $7 | — | $7 | 0.02% |
| CLAY PEARSON3 | PO BOX 67 FORT PIERRE, SD 57532 | AFLAC | $6 | — | $6 | 0.02% |
| ALFSON INSURANCE LLC3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $6 | — | $6 | 0.02% |
| 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% |
| PERFORMANCE PLUS LLC3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $4 | — | $4 | 0.01% |
| TIMOTHY L CASS3 Filed as: TIMOTHY CASS | 227 NELTOM DR PIERRE, SD 57501 | AFLAC | $3 | — | $3 | 0.01% |
| SANDRA K GUENOT3 Filed as: SANDRA SCHUMACHER | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $3 | — | $3 | 0.01% |
| JEREMY E GUTHMILLER3 | PO BOX 182 TAYLOR, ND 58656 | AFLAC | $2 | — | $2 | 0.01% |
| KARA M CARMODY3 Filed as: KARA CARMODY | 718 HOYT AVENUE E ST ST PAUL, MN 55106 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M BARNETT3 Filed as: WILLIAM BARNETT | 703 N SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| SUZANNE BRACEWELL3 | 4717 CROYLE CT RAPID CITY, SD 57702 | AFLAC | $0 | — | $0 | 0.00% |
| J KAUFMANN INSURANCE, INC3 | 1601 LEWIS AVENUE SUITE 216 BILLINGS, MT 59102 | AFLAC | $687 | — | $687 | 5.79% |
| MELISSA GRAVES3 | 2709 6TH ST NE GREAT FALLS, MT 59404 | AFLAC | $112 | — | $112 | 0.94% |
| J THEIS & ASSOCIATES INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC | $110 | — | $110 | 0.93% |
| WOITH INSURANCE AGENCY INC3 | PO BOX 6328 GREAT FALLS, MT 59406 | AFLAC | $55 | — | $55 | 0.46% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $51 | — | $51 | 0.43% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $49 | — | $49 | 0.41% |
| MR. KIM CUMMINGS3 Filed as: KIM CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $39 | — | $39 | 0.33% |
| DEANNE M CUMMINGS3 Filed as: DEANNE CUMMINGS | PO BOX 21897 BILLINGS, MT 59104 | AFLAC | $30 | — | $30 | 0.25% |
| RALPH MCDONALD DAYTON3 | 8986 THURSTON RD SPRINGFIELD, OR 97478 | AFLAC | $29 | — | $29 | 0.24% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC | $21 | — | $21 | 0.18% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $13 | — | $13 | 0.11% |
| ANDREW G THEIS3 | 2685 PALMER STREET SUITE E MISSOULA, MT 59808 | AFLAC | $10 | — | $10 | 0.08% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $8 | — | $8 | 0.07% |
| DARAN L WYCKOFF3 Filed as: DARAN WYCKOFF | PO BOX 31233 SPOKANE, WA 99223 | AFLAC | $6 | — | $6 | 0.05% |
| JAMES R HILL JR3 Filed as: JAMES HILL JR | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $4 | — | $4 | 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 | $352 | — | $352 | 4.54% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST SUITE 101 RAPID CITY, SD 57703 | AFLAC | $148 | — | $148 | 1.91% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $73 | — | $73 | 0.94% |
| EUGENE BUTCH LINSTER3 Filed as: EUGENE LINSTER | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC | $35 | — | $35 | 0.45% |
| ANNA KNIGHT3 | 530 N MONTANA AVE BOZEMAN, MT 59715 | AFLAC | $35 | — | $35 | 0.45% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $27 | — | $27 | 0.35% |
| BROOKE A GEDDES3 Filed as: BROOKE GEDDES | 705 PRO RODEO DR SPEARFISH, SD 57783 | AFLAC | $26 | — | $26 | 0.34% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $23 | — | $23 | 0.30% |
| JUDITH R SIDES3 | 1210 MOUNTAIN SPRINGS LN RAPID CITY, SD 57702 | AFLAC | $21 | — | $21 | 0.27% |
| SHAWN D SYVERSON3 | 1283 N 14TH AVE STE 103 BOZEMAN, MT 59715 | AFLAC | $19 | — | $19 | 0.24% |
| CAROL A BENDER3 Filed as: CAROL BENDER | 2026 OAK RIDGE DR PORTLAND, TX 78374 | AFLAC | $17 | — | $17 | 0.22% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $16 | — | $16 | 0.21% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $12 | — | $12 | 0.15% |
| KEVIN B VINING3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $12 | — | $12 | 0.15% |
| CARLA A MCENTIRE | 81 8TH ST STE 12 BELGRADE, MT 59715 | AFLAC | $12 | — | $12 | 0.15% |
| AMBER MARIE LIND3 Filed as: AMBER M LIND | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $9 | — | $9 | 0.12% |
| WENDY L SWARTZ3 | 3409 W MAIN STREET RAPID CITY, SD 57702 | AFLAC | $9 | — | $9 | 0.12% |
| WILLIAM D WENBERG3 | 13024 STACY LANE LITTLE ROCK, AR 72211 | AFLAC | $8 | — | $8 | 0.10% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC | $6 | — | $6 | 0.08% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $6 | — | $6 | 0.08% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $5 | — | $5 | 0.06% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $2 | — | $2 | 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 | $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 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $9 | — | $9 | 0.25% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 426 TOPAZ DR SANTAQUIN, UT 84655 | 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 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $20 | — | $20 | 0.82% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 426 TOPAZ DR SANTAQUIN, UT 84655 | 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 | 463 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 463 | $3.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 454 | $296K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 454 | $296K |
| Life insurance(6 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 454 | $358K |
| Short-term disability(6 contracts) | AFLAC | 216 | $125K |
| Prescription drug | BLUECROSS BLUESHIELD OF MONTANA | 463 | $3.1M |
| Other(7 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 454 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.