| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURPHY INSURANCE SERVICES INC3 Filed as: MURPHY INSURANCE AGENCY, LLC | 324 7TH AVENUE SE STANLEY, ND 58784 | AFLAC | $15K | $784 | $16K | 4.22% |
| MJ INSURANCE3 Filed as: KATHLEEN JOHNSON AND VARIOUS AGENTS | 610 27TH STREET WEST DICKINSON, ND 58601 | AFLAC | $13K | $39 | $13K | 3.43% |
| EVENSON INSURANCE AGENCY INC3 Filed as: EVENSON INSURANCE AGENCY, INC. | 1316 20TH AVENUE SW MINOT, ND 58701 | AFLAC | $8K | $391 | $9K | 2.25% |
| LEANNE R PETERSON3 Filed as: LEANNE R. PETERSON | 603 STEVENSON STREET NW BERTHOLD, ND 58718 | AFLAC | $6K | $259 | $6K | 1.52% |
| BRANDI LARSON3 | 19 MEADOW LANE STANLEY, ND 58784 | AFLAC | $3K | $0 | $3K | 0.86% |
| LAWRENCE A NEHRING3 Filed as: LAWRENCE A. NEHRING | PO BOX 518 MOHALL, ND 58761 | AFLAC | $3K | $0 | $3K | 0.68% |
| GOHRICK AGENCY, LLC3 | 8670 75TH LANE NW STANLEY, ND 58784 | AFLAC | $2K | $45 | $2K | 0.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $5K | $55K | 16.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 661 | $339K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 661 | $339K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 661 | $339K |
| Other(3 contracts, 3 carriers) | AFLAC | 661 | $739K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.