| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTELLICENTS INC3 | 201 E CLARK ST ALBERT LEA, MN 56007 | AFLAC | $8K | — | $8K | 10.44% |
| HEIDI ALFSON3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $5K | $813 | $6K | 7.74% |
| ERIC PALMER3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $4K | $334 | $4K | 5.42% |
| ENRIQUE CAJERO3 | 500 E CLEARWATER PL UNIT 132 SIOUX FALLS, SD 57108 | AFLAC | $565 | — | $565 | 0.71% |
| ASHLEY BENNETT LLC3 Filed as: ASHLEY BENNETT | 16 2ND AVE SW ABERDEEN, SD 57401 | AFLAC | $281 | — | $281 | 0.35% |
| SHON FORD LLC3 Filed as: SHON FORD | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $181 | — | $181 | 0.23% |
| ASHTON L CONNELL3 | 1204 E 3RD AVE MITCHELL, SD 57301 | AFLAC | $59 | — | $59 | 0.07% |
| ASHLEY D WARNER3 | 712 2ND ST SW DE SMET, SD 57231 | AFLAC | $43 | — | $43 | 0.05% |
| CRAIG S STADTFELD3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 56007 | AFLAC | $39 | — | $39 | 0.05% |
| INTELLICENTS INC3 | 100 N BROADWAY AVE ALBERT LEA, MN 56007 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 14.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSMN EIN 41-0984460 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Contract Administrator Service code 12 | — | $60K |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | 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 | 141 | $161K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $62K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $62K |
| Other(2 contracts, 2 carriers) | AFLAC | 207 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.