| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAHOWALD INSURANCE AGENCY3 | 916 W SAINT GERMAIN ST STE 100 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 7.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR N STE 300 MINNEAPOLIS, MN 55428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE PARK 80 WEST PLAZA TWO STE 400 SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 2.37% |
| HEATHER WARE NELSON3 | 51482 W WYMER LAKE RD FRAZEE, MN 56544 | AFLAC | $2K | $33 | $2K | 2.64% |
| DENICE ZEPPER3 | 250 8TH AVE SW APT 3 PERHAM, MN 56573 | AFLAC | $923 | — | $923 | 1.20% |
| TERRY E ANDERSON3 Filed as: TERRY ANDERSON | 700 CEDAR ST STE 185 ALEXANDRIA, MN 56308 | AFLAC | $875 | $10 | $885 | 1.15% |
| KRISTIE NOSBISH3 | 1909 31ST AVE SW APT 313 MINOT, ND 56701 | AFLAC | $719 | — | $719 | 0.94% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG CIMBURA | 115 SCHOENES DR NW PIERZ, MN 56364 | AFLAC | $650 | — | $650 | 0.85% |
| BRIKKER WARE3 | 109 E BIRCH AVE FRAZEE, MN 56544 | AFLAC | $349 | $15 | $364 | 0.47% |
| JEFFERY HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $247 | — | $247 | 0.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROGER L BROWN | 28496 US HIGHWAY 59 FERGUS FALLS, MN 56537 | AFLAC | $239 | — | $239 | 0.31% |
| TODD H BURRER3 Filed as: TODD BURRER | 440 REGENCY PARKWAY DR STE 234 OMAHA, NE 68114 | AFLAC | $173 | — | $173 | 0.23% |
| JOHN P THOMPSON3 Filed as: JOHN THOMPSON SR | 8395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $173 | — | $173 | 0.23% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $147 | — | $147 | 0.19% |
| ERIK HOFF3 | 20001 SCHRAM RD DETROIT LAKES, MN 56501 | AFLAC | $143 | — | $143 | 0.19% |
| HARLAN CHILDERS3 | 520 1ST ST NE APT 2109 SARTELL, MN 56377 | AFLAC | $140 | — | $140 | 0.18% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $131 | — | $131 | 0.17% |
| ANN M LARSON3 | 111 9TH ST E ADA, MN 56510 | AFLAC | $131 | — | $131 | 0.17% |
| MARY GARNER3 | 133 W WILLIAM ST APT 104 ALBERT LEA, MN 56007 | AFLAC | $130 | — | $130 | 0.17% |
| SHARON CIMBURA3 | 115 SCHOENES DR SW PIERZ, MN 56364 | AFLAC | $114 | — | $114 | 0.15% |
| HARLEY R CROCKER3 | 1609 ALEXANDER AVE CROOKSTON, MN 56718 | AFLAC | $111 | — | $111 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NEIL BROWN | 20500 HIGHWAY 2 WEST BURLINGTON, ND 56722 | AFLAC | $110 | — | $110 | 0.14% |
| THELMA MITCHELL3 | 1416 HAWTHORNE ST DETROIT LAKES, MN 56537 | AFLAC | $103 | — | $103 | 0.13% |
| MICHAEL A MULVANEY3 | 20352 MELODY DR FERGUS FALLS, MN 56537 | AFLAC | $87 | — | $87 | 0.11% |
| CAROL PURDY FIELDS3 Filed as: CAROL HANSEN | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $77 | $4 | $81 | 0.11% |
| KHRISTOPHER HUWE3 | 700 CEDAR ST STE 185 ALEXANDRIA, MN 56308 | AFLAC | $69 | $6 | $75 | 0.10% |
| CHARLEEN JANIKOWSKI3 | PO BOX 235 GLYNDON, MN 56547 | AFLAC | $68 | — | $68 | 0.09% |
| JOHN A MONSEN3 Filed as: JOHN MONSEN | 900 GARRRISON CT BURNSVILLE, MN 55337 | AFLAC | $58 | — | $58 | 0.08% |
| JAMES NELSON3 | 36394 RUSH LAKE LOOP OTTERTAIL, MN 58571 | AFLAC | $52 | — | $52 | 0.07% |
| SANDRA F STRANDLIEN3 Filed as: SANDRA STRANDLIEN | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $46 | — | $46 | 0.06% |
| GERALDINE MULVANEY3 | 1430 34TH ST S APT 112 FARGO, ND 58103 | AFLAC | $41 | — | $41 | 0.05% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 7825 WASHINGTON AVE S STE 425 MINNEAPOLIS, MN 55439 | AFLAC | $38 | — | $38 | 0.05% |
| THOMAS J HERGOTT3 Filed as: THOMAS HERGOTT | 2640 BURGEN TER SE ALEXANDRIA, MN 56308 | AFLAC | $36 | — | $36 | 0.05% |
| DOUGLAS SCHULBERG3 | 317 RIVERTREE BLVD PO BOX 122 HARWOOD, ND 58042 | AFLAC | $35 | — | $35 | 0.05% |
| BLW INC3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $33 | — | $33 | 0.04% |
| JENNIFER LEE QUALE3 Filed as: JENNIFER QUALE | 5143 COUNTY ROAD 4 NE ATWATER, MN 56209 | AFLAC | $32 | — | $32 | 0.04% |
| GENEIL M VEDAA3 Filed as: GENEIL VEDAA | PO BOX 550 VELVA, ND 58790 | AFLAC | $27 | — | $27 | 0.04% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE | 801 CODY DR BISMARCK, ND 58503 | AFLAC | $26 | — | $26 | 0.03% |
| CHELSEY N NICHOLS3 Filed as: CHELSEY NICHOLS | PO BOX 1235 MINOT, ND 58702 | AFLAC | $26 | — | $26 | 0.03% |
| JULIE BEHRENS AGENCY LLC3 | 1800 E MAIN ST STE C MANDAN, ND 58554 | AFLAC | $24 | — | $24 | 0.03% |
| KARI JOHNSON3 | 24271 NE ROCK LAKE RD ROCHERT, MN 56578 | AFLAC | $23 | — | $23 | 0.03% |
| KENNETH BAUER3 | 2015 N OL HAYES RD BIRCHWOOD, WI 54817 | AFLAC | $23 | — | $23 | 0.03% |
| GENE W MEYER3 | 439 33RD ST N MOORHEAD, MN 56560 | AFLAC | $22 | — | $22 | 0.03% |
| BARBARA ZIEGELMAN3 | 700 CEDAR ST STE 185 ALEXANDRIA, MN 56308 | AFLAC | $21 | — | $21 | 0.03% |
| MICHELLE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $19 | — | $19 | 0.02% |
| JOHN J FREDERICK3 Filed as: JOHN FREDERICK | PO BOX 554 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC | $19 | — | $19 | 0.02% |
| MVH INC3 | 1006 7TH AVE SE BARNSESVILLE, MN 56514 | AFLAC | $19 | — | $19 | 0.02% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $19 | — | $19 | 0.02% |
| JACOB B SANKEN3 Filed as: JACOB SANKEN | PO BOX 265 HUTCHINSON, MN 55350 | AFLAC | $16 | — | $16 | 0.02% |
| MELODY B THOMPSON3 Filed as: MELODY THOMPSON | 1212 MAIN AVE S BROOKINGS, SD 57006 | AFLAC | $16 | — | $16 | 0.02% |
| CASSIDY A GOLDSTINE3 Filed as: CASSIDY GOLDSTINE | 7501 S DENTON AVE SIOUX FALLS, SD 57108 | AFLAC | $15 | — | $15 | 0.02% |
| DAVE L SKJEFTE3 Filed as: DAVE SKJEFTE | 396 5TH AVE GRANITE FALLS, MN 56241 | AFLAC | $15 | — | $15 | 0.02% |
| FAITH CRYSTAL TAYLOR3 Filed as: FAITH BURRIS | 251 LONG BEACH DR HOT SPRINGS, AR 71913 | AFLAC | $14 | — | $14 | 0.02% |
| CINDY KAELBERER3 | 1800 40TH AVE SE MANDAN, ND 58554 | AFLAC | $11 | — | $11 | 0.01% |
| RICHARD FUNK3 | 3416 20TH ST SE ROCHESTER, MN 55904 | AFLAC | $11 | — | $11 | 0.01% |
| KEITH OLSON3 | 427 31ST AVE E WEST FARGO, ND 58078 | AFLAC | $10 | — | $10 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 1301 SOUTH SUMMIT AVE SIOUX FALLS, SD 57105 | AFLAC | $9 | — | $9 | 0.01% |
| TRACI NATOLI3 | PO BOX 42 CLEAR LAKE, MN 55319 | AFLAC | $9 | — | $9 | 0.01% |
| RONALS DIETL3 | PO BOX 42 CLEAR LAKE, MN 55319 | AFLAC | $9 | — | $9 | 0.01% |
| JASON MELIN3 | 19000 NOKAY LAKE RD DEERWOOD, MN 56444 | AFLAC | $8 | — | $8 | 0.01% |
| MERLE H IHNE III3 Filed as: MERLE INHE III | 16130 AHRENS HILL RD BRAINERD, MN 56401 | AFLAC | $7 | — | $7 | 0.01% |
| CORY L CAMPBELL3 Filed as: CORY CAMPBELL | 13139 FERRIS CT APPLE VALLEY, MN 55124 | AFLAC | $7 | — | $7 | 0.01% |
| DEBORAH THORSTAD3 | 491 SPRUCE ST KINDRED, ND 58051 | AFLAC | $7 | — | $7 | 0.01% |
| GLADYS MULVANEY3 | 1430 34TH ST APT 305 FARGO, ND 58103 | AFLAC | $7 | — | $7 | 0.01% |
| DANIEL JOHN HAGBERG3 Filed as: DANIEL HAGBERG | 554 141ST AVE NE HAM LAKE, MN 55304 | AFLAC | $6 | — | $6 | 0.01% |
| ERIC JOHNSON3 | 621 6TH ST FELTON, MN 56536 | AFLAC | $6 | — | $6 | 0.01% |
| CHARLOTTE HEIM3 | 11212 71ST AVE NE BISMARCK, ND 58503 | AFLAC | $6 | — | $6 | 0.01% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 4003 NE 23RD PL CAPE CORAL, FL 33909 | AFLAC | $5 | — | $5 | 0.01% |
| FAITH ANNIS3 | 8865 EAST BASELINE RD LOT 1035 MESA, AZ 85209 | AFLAC | $5 | — | $5 | 0.01% |
| MICHAEL ANDERS LLC3 Filed as: MICHAEL ANDERS | 12600 NORTHBOROUGH DR STE 210 HOUSTON, TX 77067 | AFLAC | $5 | — | $5 | 0.01% |
| GREGORY STENZEL3 | 2302 KNOX WAY MELISSA, TX 75454 | AFLAC | $4 | — | $4 | 0.01% |
| VIRGINIA TOMMERDAHL3 | 2212 ARROWWOOD CT FERGUS FALLS, MN 56537 | AFLAC | $3 | — | $3 | 0.00% |
| SHARON E MASON3 Filed as: SHARON MASON | 6635 19TH ST NE ATWATER, MN 56209 | AFLAC | $2 | — | $2 | 0.00% |
| DONALD LARRY REYNOLDS3 Filed as: DONALD REYNOLDS | 8945 33RD ST N #B LAKE ELMO, MN 55042 | AFLAC | $2 | — | $2 | 0.00% |
| TRACI J MOORE3 Filed as: TRACI MOORE | 5712 COUNTY ROAD 141 SAINT CLOUD, MN 56301 | AFLAC | $2 | — | $2 | 0.00% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PKWAY S STE C FARGO, ND 58104 | AFLAC | $1 | — | $1 | 0.00% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $1 | — | $1 | 0.00% |
| SHARON JONS3 | 943 RED WILLOW DR FRAZEE, MN 56544 | AFLAC | $1 | — | $1 | 0.00% |
| MAHOWALD INSURANCE AGENCY3 | 916 ST GERMAIN ST PO BOX 129 ST CLOUD, MN 56301 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 5.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DR SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 5.05% |
| DANIEL S SNIDER3 | 303 22ND AVENUE W ALEXANDRIA, MN 56308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | $4 | $311 | 1.15% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST S SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.13% |
| BRENDA LEE CANNING3 | 3200 15TH ST N SAINT CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| KARRIE CROPPER3 | 823 BUCK LN LITTLE FALLS, MN 56345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.02% |
| JODI TWETE3 | 1502 21ST AVE SO FARGO, ND 58103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ONYX BENEFIT ADVISORS3 Filed as: ONYX BENEFIT ADVISORS LLC | 3001 METRO DR STE 290 BLOOMINGTON, MN 554251564 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.53% |
| MAHOWALD INSURANCE AGENCY3 Filed as: MAHOWALD INSURANCE AGENCY LLP | PO BOX 129 SAINT CLOUD, MN 563020129 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.98% |
| SHELLY HAUGLAND3 | 10410 265TH AVE NW ZIMMERMAN, MN 55398 | AFLAC | $334 | $13 | $347 | 2.88% |
| MICHELLE MARIE EWALD3 Filed as: MICHELLE EWALD | 5810 W 78TH ST EDINA, MN 55439 | AFLAC | $205 | — | $205 | 1.70% |
| KATHI JO SWEETER3 Filed as: KATHI SWEETER | 10650 COUNTY ROAD 81 STE 224 MAPLE GROVE, MN 55369 | AFLAC | $186 | $3 | $189 | 1.57% |
| DEBORAH GRUTKOSKI3 | 2947 194TH LN NW OAK GROVE, MN 55011 | AFLAC | $102 | — | $102 | 0.85% |
| WENDY RENARD3 | 24133 FAWN CT NE STACY, MN 55079 | AFLAC | $70 | — | $70 | 0.58% |
| MICHAEL R GESY3 Filed as: MICHAEL GESY | 8541 48TH AVE SE SAINT CLOUD, MN 56304 | AFLAC | $64 | — | $64 | 0.53% |
| JEFFREY D HARNED3 Filed as: JEFFREY HANSEN | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $36 | — | $36 | 0.30% |
| JOHN P THOMPSON3 Filed as: JOHN THOMPSON SR | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $34 | — | $34 | 0.28% |
| BONITA BENSCHOTER3 | 1767 WESTWIND RD SAINT CLOUD, MN 56303 | AFLAC | $24 | — | $24 | 0.20% |
| MICHAEL YURCZYK3 | 5810 W 78TH ST STE 210 EDINA, MN 55439 | AFLAC | $18 | — | $18 | 0.15% |
| JESSIE ALTRINGER3 | 3312 PIONEER TRL HAMEL, MN 55340 | AFLAC | $13 | — | $13 | 0.11% |
| ANTHONY SWEETER3 | 10650 COUNTY ROAD 81 MAPLE GROVE, MN 55369 | AFLAC | $12 | — | $12 | 0.10% |
| KRISTIE NOSBISH3 | 1909 31ST AVE SW APT 313 MINNEAPOLIS, MN 55343 | AFLAC | $11 | — | $11 | 0.09% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $11 | — | $11 | 0.09% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 7825 WASHINGTON AVE S STE 425 MINNEAPOLIS, MN 55439 | AFLAC | $10 | — | $10 | 0.08% |
| MICHELLE MAGUIRE3 | 7825 WASHINGTON AVE S STE 425 MINNEAPOLIS, MN 55425 | AFLAC | $4 | — | $4 | 0.03% |
| DALE COOLEY3 | 22805 SE 271ST PL MAPLE VALLEY, WA 98038 | AFLAC | $3 | — | $3 | 0.02% |
| KATHLEEN BIALKE3 | 1010 1/2 7TH AVE N PRINCETON, MN 55371 | AFLAC | $3 | — | $3 | 0.02% |
| TREVOR NORENBERG3 | 8529 SAHALEE CT RAPID CITY, SD 57702 | AFLAC | $1 | — | $1 | 0.01% |
| DANIEL S SNIDER3 Filed as: DANIEL S. SNIDER | 303 22ND AVENUE W ALEXANDRIA, MN 56308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.18% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST SOUTH SAINT CLOUD, MN 56301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.29% |
| DANIEL S SNIDER3 | 303 22ND AVENUE W ALEXANDRIA, MN 56308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.31% |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 69 | $67K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $248K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $248K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $248K |
| Other(7 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 422 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.