| 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 | $22K | — | $22K | 2.37% |
| SASHA CAMPBELL3 Filed as: SASHA L CAMPBELL | 2731 12TH AVE S STE B FARGO, ND 58103 | AFLAC | $4K | $206 | $4K | 5.40% |
| THOMAS J CASSADY3 | 1307 NP AVE N FARGO, ND 58102 | AFLAC | $2K | $94 | $2K | 2.29% |
| CARTER EVENSON3 | 346 15TH AVE E WEST FARGO, ND 58078 | AFLAC | $1K | — | $1K | 1.76% |
| KEITH OLSON3 Filed as: KEITH A OLSON | 427 31ST AVE E WEST FARGO, ND 58078 | AFLAC | $1K | $7 | $1K | 1.57% |
| GREGORY A NESS3 | 3701 WESTMOOR DR MOORHEAD, MN 56560 | AFLAC | $821 | — | $821 | 1.07% |
| KATRINA REINKE3 | 1503 6TH AVE N WAHPETON, ND 58075 | AFLAC | $761 | $44 | $805 | 1.05% |
| JAMIE JOHNSON3 | 3627 FILLMORE ST S FARGO, ND 58104 | AFLAC | $759 | — | $759 | 0.99% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $516 | — | $516 | 0.67% |
| LAWRENCE R ZAHRADKA3 | 2750 GATEWAY DR STE D GRAND FORKS, ND 58203 | AFLAC | $334 | — | $334 | 0.44% |
| TAMMY L SCOTT3 | 918 14TH AVE S GRAND FORKS, ND 58201 | AFLAC | $202 | $89 | $291 | 0.38% |
| AMBER MUSKE3 | 11769 31ST ST SE VALLEY CITY, ND 58072 | AFLAC | $69 | — | $69 | 0.09% |
| SLOANE MUEHLER3 | 1307 NP AVE N FARGO, ND 58102 | AFLAC | $61 | — | $61 | 0.08% |
| ANN MARIE FONTAINE3 | 1097 ROBIN RD NE GRAND FORKS, ND 58201 | AFLAC | $25 | — | $25 | 0.03% |
| GREG LITZ3 | 3722 SIMONVIEW CT GRAND FORKS, ND 58201 | AFLAC | $16 | — | $16 | 0.02% |
| MALLORY LYNN BRITTON3 | 3011 W ELMWOOD DR GRAND FORKS, ND 58201 | AFLAC | $13 | — | $13 | 0.02% |
| MICHAEL HUNTER LECKNER3 | 3846 12TH ST W WEST FARGO, ND 58078 | AFLAC | $8 | — | $8 | 0.01% |
| KIRK MOTL3 | 3101 LONGBOW CT GRAND FORKS, ND 58203 | AFLAC | $0 | — | $0 | 0.00% |
| BRIAN D DORFF3 Filed as: BRIAN DORFF | 9194 32ND AVE S GRAND FORKS, ND 58201 | AFLAC | $0 | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $325 | — | $325 | 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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 156 | $942K |
| Dental | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 68 | $28K |
| Vision | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 65 | $3K |
| Life insurance | AFLAC | 73 | $76K |
| Short-term disability | AFLAC | 73 | $76K |
| Other | AFLAC | 73 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.