| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHELSEA NICOLE COLLINS3 | PO BOX 1235 MINOT, ND 58702 | AFLAC | $26K | $2K | $28K | 10.94% |
| MAK AGENCY INC3 Filed as: MAK AGENCY, INC. | 1821 TAMMY DRIVE MINOT, ND 58701 | AFLAC | $9K | $899 | $10K | 3.73% |
| LEANNE R PETERSON3 Filed as: LEANNE R. PETERSON | 603 STEVENSON STREET NW BERTHOLD, ND 58718 | AFLAC | $7K | $678 | $8K | 2.99% |
| SHELBY J BARSTAD3 Filed as: SHELBY J. BARSTAD | PO BOX 345 VELVA, ND 58790 | AFLAC | $7K | $389 | $7K | 2.86% |
| LOARD AGENCY INC3 Filed as: LOARD AGENCY, INC. | 1520 69TH STREET NW MINOT, ND 58703 | AFLAC | $5K | $49 | $5K | 1.95% |
| MELISSA J SELZLER3 Filed as: MELISSA J. SELZLER | 4320 RUMELY ROAD, LOT 19 VELVA, ND 58790 | AFLAC | $4K | $211 | $4K | 1.67% |
| EVENSON INSURANCE AGENCY INC3 Filed as: EVENSON INS. AGENCY & OTHER AGENTS | 1316 20TH AVENUE SW MINOT, ND 58701 | AFLAC | $2K | $91 | $2K | 0.91% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 165 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.