| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTELLICENTS INC3 | 100 N BROADWAY AVE ALBERT LEA, MN 56007 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 14.34% |
| INTELLICENTS INC3 | 201 E CLARK ST ALBERT LEA, MN 56007 | AFLAC | $6K | — | $6K | 11.94% |
| HEIDI ALFSON3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $4K | $713 | $5K | 10.27% |
| ERIC PALMER3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $2K | $570 | $3K | 6.03% |
| ASHLEY D WARNER3 | 712 2ND ST SW DE SMET, SD 57231 | AFLAC | $339 | $78 | $417 | 0.89% |
| ASHTON L CONNELL3 | 1204 E 3RD AVE MITCHELL, SD 57301 | AFLAC | $112 | $66 | $178 | 0.38% |
| DEVIN ALFSON3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $43 | — | $43 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSMN EIN 41-0984460 | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees Service code 12 | — | $57K |
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 | 203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN, INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 145 | $164K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $57K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $57K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.