| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $27K | — | $27K | 2.26% |
| SASHA CAMPBELL3 Filed as: SASHA L CAMPBELL | 3168 41ST STREET S, STE 3 FARGO, ND 58104 | AFLAC | $4K | $184 | $4K | 4.44% |
| KATRINA REINKE3 | 1503 6TH AVE N WAHPETON, ND 58075 | AFLAC | $2K | $91 | $2K | 2.16% |
| THOMAS J CASSADY3 | 1307 NP AVE N FARGO, ND 58102 | AFLAC | $2K | $114 | $2K | 2.14% |
| GREGORY A NESS3 | 3701 WESTMOOR DR MOORHEAD, MN 56560 | AFLAC | $1K | $84 | $1K | 1.50% |
| KYAL WILLIAMS3 | 1307 NP AVE N FARGO, ND 58102 | AFLAC | $620 | $0 | $620 | 0.74% |
| CARTER EVENSON3 | 346 15TH AVE E WEST FARGO, ND 58078 | AFLAC | $531 | $46 | $577 | 0.68% |
| SHAWN D BENSER3 | 422 SEQUOIA DR MAPLETON, ND 58059 | AFLAC | $485 | $0 | $485 | 0.58% |
| KEITH OLSON3 Filed as: KEITH A OLSON | 427 31ST AVE E WEST FARGO, ND 58078 | AFLAC | $248 | $123 | $371 | 0.44% |
| JAMIE JOHNSON3 | 3627 FILLMORE ST S FARGO, ND 58104 | AFLAC | $299 | $72 | $371 | 0.44% |
| LAWRENCE R ZAHRADKA3 | 2750 GATEWAY DR STE D GRAND FORKS, ND 58203 | AFLAC | $302 | $0 | $302 | 0.36% |
| AMBER MUSKE3 | 11769 31ST ST SE VALLEY CITY, ND 58072 | AFLAC | $63 | $0 | $63 | 0.07% |
| SLOANE MUEHLER3 | 3168 41ST STREET S, STE 3 FARGO, ND 58104 | AFLAC | $61 | $0 | $61 | 0.07% |
| ANN MARIE FONTAINE3 | 1097 ROBIN RD NE GRAND FORKS, ND 58201 | AFLAC | $27 | $0 | $27 | 0.03% |
| GREG LITZ3 | 3722 SIMONVIEW CT GRAND FORKS, ND 58201 | AFLAC | $16 | $0 | $16 | 0.02% |
| MALLORY LYNN BRITTON3 | 3011 W ELMWOOD DR GRAND FORKS, ND 58201 | AFLAC | $15 | $0 | $15 | 0.02% |
| TAMMY L SCOTT3 | 918 14TH AVE S GRAND FORKS, ND 58201 | AFLAC | $14 | $0 | $14 | 0.02% |
| MICHAEL HUNTER LECKNER3 | 3846 12TH ST W WEST FARGO, ND 58078 | AFLAC | $12 | $0 | $12 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $4K | — | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $451 | — | $451 | 10.00% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 180 | $1.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 108 | $43K |
| Vision | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 94 | $5K |
| Life insurance | AFLAC | 89 | $84K |
| Short-term disability | AFLAC | 89 | $84K |
| Other | AFLAC | 89 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.