| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTELLICENTS INC3 | 201 E CLARK ST ALBERT LEA, MN 56007 | AFLAC | $6K | — | $6K | 7.40% |
| ERIC PALMER3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $4K | $251 | $4K | 5.14% |
| HEIDI ALFSON3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $2K | $361 | $3K | 3.57% |
| SHON FORD LLC3 Filed as: SHON FORD | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $348 | $34 | $382 | 0.49% |
| CRAIG S STADTFELD3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $226 | $3 | $229 | 0.29% |
| ASHLEY BENNETT LLC3 Filed as: ASHLEY BENNETT | 16 2ND AVE SW ABERDEEN, SD 57401 | AFLAC | $158 | $27 | $185 | 0.24% |
| ENRIQUE CAJERO3 | 500 E CLEARWATER PL UNIT 132 SIOUX FALLS, SD 57108 | AFLAC | $84 | $96 | $180 | 0.23% |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $68 | — | $68 | 0.09% |
| ASHTON L CONNELL3 | 1204 E 3RD AVE MITCHELL, SD 57301 | AFLAC | $50 | — | $50 | 0.06% |
| ASHLEY D WARNER3 | 712 2ND ST SW DE SMET, SD 57231 | AFLAC | $35 | — | $35 | 0.04% |
| KIERSTEN L HALL3 | 2804 2ND ST SW APT 238 ROCHESTER, MN 55902 | AFLAC | $28 | — | $28 | 0.04% |
| TRACI L NATOLI3 | 1145 CHENOA LN SW ORONOCO, MN 55960 | AFLAC | $9 | — | $9 | 0.01% |
| PATRICK A NATOLI3 | 1145 CHENOA LN SW ORONOCO, MN 55960 | AFLAC | $8 | — | $8 | 0.01% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S STE 425 MINNEAPOLIS, MN 55439 | AFLAC | $5 | — | $5 | 0.01% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $4 | — | $4 | 0.01% |
| CYNTHIS A STRICKLAND3 | 1063 DAY LAKE DR MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| INTELLICENTS INC3 | 100 N BROADWAY AVE ALBERT LEA, MN 56007 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 15.62% |
| HEARTMAN AGCY INC3 | 1635 GREENVIEW DR SW ROCHESTER, MN 55902 | GUARDIAN | $3K | — | $3K | 6.29% |
| FOSTER KLIMA BENEFITS LLC3 Filed as: FOSTER KLIMA & COMPANY INC | 10900 WAYZATA BLVD STE 730 HOPKINS, MN 55305 | GUARDIAN | $124 | — | $124 | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSMN, INC EIN 41-0984460 THIRD PARTY ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees Service code 12 | — | $91K |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 219 | 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 | 156 | $199K |
| Dental | GUARDIAN | 118 | $52K |
| Vision | GUARDIAN | 118 | $52K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $64K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $64K |
| Other(2 contracts, 2 carriers) | AFLAC | 218 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.