| 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 | $33K | — | $33K | 12.10% |
| MAHOWALD INSURANCE AGENCY3 | 916 ST GERMAIN ST PO BOX 129 ST CLOUD, MN 56301 | DELTA DENTAL OF MINNESOTA | $7K | — | $7K | 10.00% |
| HEATHER WARE NELSON3 | 51482 W WYMER LAKE RD FRAZEE, MN 56544 | AFLAC | $2K | $35 | $2K | 2.64% |
| DENICE ZEPPER3 | 250 8TH AVE SW APT 1 PERHAM, MN 56573 | AFLAC | $780 | — | $780 | 1.27% |
| TERRY E ANDERSON3 Filed as: TERRY ANDERSON | 700 CEDAR ST STE 185 ALEXANDRIA, MN 56308 | AFLAC | $705 | $11 | $716 | 1.17% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG CIMBURA | 115 SCHOENES DR SW PIERZ, MN 56364 | AFLAC | $534 | — | $534 | 0.87% |
| KRISTIE NOSBISH3 | 1909 31ST AVE SW APT 313 MINOT, ND 58701 | AFLAC | $444 | — | $444 | 0.72% |
| BRIKKER WARE3 | 109 E BIRCH AVE FRAZEE, MN 56544 | AFLAC | $247 | — | $247 | 0.40% |
| JEFFERY HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $214 | — | $214 | 0.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROGER L BROWN | 28496 US HIGHWAY 59 FERGUS FALLS, MN 56537 | AFLAC | $195 | — | $195 | 0.32% |
| TODD H BURRER3 Filed as: TODD BURRER | 440 REGENCY PARKWAY DR STE 234 OMAHA, NE 68114 | AFLAC | $147 | — | $147 | 0.24% |
| JOHN P THOMPSON3 Filed as: JOHN THOMPSON SR | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $132 | — | $132 | 0.22% |
| ERIK HOFF3 | 29091 SCHRAM RD DETROIT LAKES, MN 56501 | AFLAC | $117 | — | $117 | 0.19% |
| MICHAEL C WALKER3 Filed as: MICHAEL TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $113 | — | $113 | 0.18% |
| MARY GARNER3 | 435 MAIN AVE S HARMONY, MN 55939 | AFLAC | $110 | — | $110 | 0.18% |
| HARLAN CHILDERS3 | 520 1ST ST NE APT 2109 SARTELL, MN 56377 | AFLAC | $107 | — | $107 | 0.17% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $105 | — | $105 | 0.17% |
| SHARON CIMBURA3 | 115 SCHOENES DR SW PIERZ, MN 56364 | AFLAC | $96 | — | $96 | 0.16% |
| HARLEY R CROCKER3 | 1609 ALEXANDER AVE CROOKSTON, MN 56716 | AFLAC | $94 | — | $94 | 0.15% |
| THELMA MITCHELL3 | 1416 HAWTHORNE ST DETROIT LAKES, MN 56501 | AFLAC | $87 | — | $87 | 0.14% |
| MICHAEL A MULVANEY3 | 20352 MELODY DR FERGUS FALLS, MN 56537 | AFLAC | $74 | — | $74 | 0.12% |
| ANN M LARSON3 | 201 4TH AVE E APT 2 HALSTAD, MN 56548 | AFLAC | $65 | — | $65 | 0.11% |
| KHRISTOPHER HUWE3 | 700 CEDAR ST STE 185 ALEXANDRIA, MN 56308 | AFLAC | $58 | $7 | $65 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NEIL BROWN | 20500 HIGHWAY 2 WEST BURLINGTON, ND 58722 | AFLAC | $62 | — | $62 | 0.10% |
| CAROL PURDY FIELDS3 Filed as: CAROL HANSEN | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $60 | — | $60 | 0.10% |
| MICHELLE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $49 | — | $49 | 0.08% |
| CHARLEEN JANIKOWSKI3 | PO BOX 235 GLYNDON, MN 56547 | AFLAC | $48 | — | $48 | 0.08% |
| JAMES NELSON3 | 36394 RUSH LAKE LOOP OTTERTAIL, MN 56571 | AFLAC | $44 | — | $44 | 0.07% |
| DEBORAH COLE3 | 1322 MAPLE DR SE ALEXANDRIA, MN 56308 | AFLAC | $25 | $17 | $42 | 0.07% |
| JOHN A MONSEN3 Filed as: JOHN MONSEN | 900 GARRRISON CT BURNSVILLE, MN 55337 | AFLAC | $38 | — | $38 | 0.06% |
| SANDRA F STRANDLIEN3 Filed as: SANDRA STRANDLIEN | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $36 | — | $36 | 0.06% |
| GERALDINE MULVANEY3 | 1430 34TH ST S APT 112 FARGO, ND 58103 | AFLAC | $34 | — | $34 | 0.06% |
| DOUGLAS SCHULBERG3 | 317 RIVERTREE BLVD PO BOX 122 HARWOOD, ND 58042 | AFLAC | $30 | — | $30 | 0.05% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $26 | — | $26 | 0.04% |
| THOMAS J HERGOTT3 Filed as: THOMAS HERGOTT | 2640 BURGEN TER SE ALEXANDRIA, MN 56308 | AFLAC | $26 | — | $26 | 0.04% |
| BLW INC3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $23 | — | $23 | 0.04% |
| GENEIL M VEDAA3 Filed as: GENEIL VEDAA | PO BOX 550 VELVA, ND 58790 | AFLAC | $23 | — | $23 | 0.04% |
| KARI JOHNSON3 | 1333 MADISON AVE APT 209 DETROIT LAKES, MN 56501 | AFLAC | $23 | — | $23 | 0.04% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE | 801 CODY DR BISMARCK, ND 58503 | AFLAC | $22 | — | $22 | 0.04% |
| CHELSEY N NICHOLS3 Filed as: CHELSEY NICHOLS | PO BOX 1235 MINOT, ND 58702 | AFLAC | $22 | — | $22 | 0.04% |
| JULIE BEHRENS AGENCY LLC3 | 1800 E MAIN ST STE C MANDAN, ND 58554 | AFLAC | $20 | — | $20 | 0.03% |
| KENNETH BAUER3 | 2015 N OL HAYES RD BIRCHWOOD, WI 54817 | AFLAC | $19 | — | $19 | 0.03% |
| GENE W MEYER3 | 439 33RD ST N MOORHEAD, MN 56560 | AFLAC | $19 | — | $19 | 0.03% |
| CORY L CAMPBELL3 Filed as: CORY CAMPBELL | 13139 FERRIS CT APPLE VALLEY, MN 55124 | AFLAC | $19 | — | $19 | 0.03% |
| DANIEL JOHN HAGBERG3 Filed as: DANIEL HAGBERG | 554 141ST LANE NE HAM LAKE, MN 55304 | AFLAC | $17 | — | $17 | 0.03% |
| JOHN J FREDERICK3 Filed as: JOHN FREDERICK | PO BOX 554 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC | $16 | — | $16 | 0.03% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL EVANS JR | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $15 | — | $15 | 0.02% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $15 | — | $15 | 0.02% |
| JACOB B SANKEN3 Filed as: JACOB SANKEN | PO BOX 265 HUTCHINSON, MN 55350 | AFLAC | $14 | — | $14 | 0.02% |
| MELODY B THOMPSON3 Filed as: MELODY THOMPSON | 1212 MAIN AVE S BROOKINGS, SD 57006 | AFLAC | $13 | — | $13 | 0.02% |
| CASSIDY A GOLDSTINE3 Filed as: CASSIDY GOLDSTINE | 7501 S DENTON AVE SIOUX FALLS, SD 57108 | AFLAC | $13 | — | $13 | 0.02% |
| FAITH CRYSTAL TAYLOR3 Filed as: FAITH BURRIS | 251 LONG BEACH DR HOT SPRINGS, AR 71913 | AFLAC | $12 | — | $12 | 0.02% |
| MVH INC3 | 1006 7TH AVE SE BARNESVILLE, MN 56514 | AFLAC | $11 | — | $11 | 0.02% |
| GREGORY STENZEL3 | 2302 KNOX WAY MELISSA, TX 75454 | AFLAC | $11 | — | $11 | 0.02% |
| CINDY KAELBERER3 | 1800 40TH AVE SE MANDAN, ND 58554 | AFLAC | $9 | — | $9 | 0.01% |
| RICHARD FUNK3 | 3416 20TH ST SE ROCHESTER, MN 55904 | AFLAC | $9 | — | $9 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID AESOPH | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $9 | — | $9 | 0.01% |
| RONALD DIETL3 | PO BOX 42 CLEAR LAKE, MN 55319 | AFLAC | $7 | — | $7 | 0.01% |
| JASON MELIN3 | 19000 NOKAY LAKE RD DEERWOOD, MN 56444 | AFLAC | $7 | — | $7 | 0.01% |
| KEITH OLSON3 | 427 31ST AVE E WEST FARGO, ND 58078 | AFLAC | $6 | — | $6 | 0.01% |
| MERLE H IHNE III3 Filed as: MERLE INHE III | 16130 AHRENS HILL RD BRAINERD, MN 56401 | AFLAC | $6 | — | $6 | 0.01% |
| DEBORAH THORSTAD3 | 491 SPRUCE ST KINDRED, ND 58051 | AFLAC | $6 | — | $6 | 0.01% |
| GLADYS MULVANEY3 | 1430 34TH ST APT 305 FARGO, ND 58103 | AFLAC | $6 | — | $6 | 0.01% |
| ERIC JOHNSON3 | 621 6TH ST FELTON, MN 56536 | AFLAC | $5 | — | $5 | 0.01% |
| CHARLOTTE HEIM3 | 11212 71ST AVE NE BISMARCK, ND 58503 | AFLAC | $5 | — | $5 | 0.01% |
| DONALD LARRY REYNOLDS3 Filed as: DONALD REYNOLDS | 8945 33RD ST N #B LAKE ELMO, MN 55042 | AFLAC | $5 | — | $5 | 0.01% |
| TRACI J MOORE3 Filed as: TRACI MOORE | 5712 COUNTY ROAD 141 SAINT CLOUD, MN 56301 | AFLAC | $5 | — | $5 | 0.01% |
| FAITH ANNIS3 | 1626 MELVINA LN SW ALEXANDRIA, MN 56308 | AFLAC | $4 | — | $4 | 0.01% |
| VIRGINIA TOMMERDAHL3 | 2212 ARROWWOOD CT FERGUS FALLS, MN 56537 | AFLAC | $2 | — | $2 | 0.00% |
| SHARON E MASON3 Filed as: SHARON MASON | 6635 159TH ST NE ATWATER, MN 56209 | AFLAC | $2 | — | $2 | 0.00% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $2 | — | $2 | 0.00% |
| KNUTE NELSON3 | 3920 KIPLING AVE MINNEAPOLIS, MN 55416 | AFLAC | $2 | — | $2 | 0.00% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $1 | — | $1 | 0.00% |
| MATTHEW R LORENZ3 Filed as: MATTHEW LORENZ | 1021 PROSPECT POINTE RD JORDAN, MN 55352 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M BARNETT3 Filed as: WILLIAM BARNETT | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $1 | — | $1 | 0.00% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $1 | — | $1 | 0.00% |
| MAHOWALD INSURANCE AGENCY3 Filed as: MAHOWALD INSURANCE AGENCY LLP | PO BOX 129 SAINT CLOUD, MN 563020129 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $22 | $3K | 12.12% |
| DANIEL S SNIDER3 | 303 22ND AVENUE W ALEXANDRIA, MN 56308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $106 | $424 | 1.93% |
| NIS INC3 | 3641 SOUTH 20TH STREET FARGO, ND 58104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | — | $119 | 0.54% |
| KATHY ZEIDLER3 | 960 WESTCHESTER AVE SHAKOPEE, MN 55379 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.50% |
| DANIEL L FREMLING3 Filed as: DANIEL JAMES RETZLAFF | 4250 31ST AVE S FARGO, ND 58104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $48 | $86 | 0.39% |
| KARRIE CROPPER3 | 303 22ND AVE W ALEXANDRIA, MN 56308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $14 | $79 | 0.36% |
| NATALIE MALHAM3 Filed as: NATALIE SUZANNE BASS | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $9 | $39 | 0.18% |
| MELISSA A MURRAY3 | 3021 6TH ST E WEST FARGO, ND 58078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $2 | $33 | 0.15% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | 1500 39TH ST S SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.11% |
| JODI TWETE3 | 1502 21ST AVE SO FARGO, ND 58103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.09% |
| BRENDA LEE CANNING3 | 4227 THRU STREET SAINT CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| TARAH MANN3 | 2836 57TH AVE PRINCETON, MN 55371 | AFLAC | $549 | — | $549 | 4.20% |
| ANTHONY SWEETER3 | 10650 COUNTY ROAD 81 STE 214 MAPLE GROVE, MN 55369 | AFLAC | $347 | — | $347 | 2.66% |
| SHELLY HAUGLAND3 | 10410 265TH AVE NW ZIMMERMAN, MN 55398 | AFLAC | $238 | — | $238 | 1.82% |
| MICHELLE MARIE EWALD3 Filed as: MICHELLE EWALD | 5810 W 78TH ST STE 210 EDINA, MN 55439 | AFLAC | $128 | $31 | $159 | 1.22% |
| KATHI JO SWEETER3 Filed as: KATHI SWEETER | 10650 COUNTY ROAD 81 STE 224 MAPLE GROVE, MN 55369 | AFLAC | $139 | $6 | $145 | 1.11% |
| ERIC ROULAND3 | 12217 YANCY ST NE UNIT B MINNEAPOLIS, MN 55449 | AFLAC | $136 | — | $136 | 1.04% |
| MICHAEL YURCZYK3 | 5810 W 78TH ST STE 210 EDINA, MN 55439 | AFLAC | $113 | $6 | $119 | 0.91% |
| DEBORAH GRUTKOSKI3 | 2947 194TH LN NW OAK GROVE, MN 55011 | AFLAC | $91 | — | $91 | 0.70% |
| WENDY RENARD3 | 24133 FAWN CT NE STACY, MN 55079 | AFLAC | $64 | — | $64 | 0.49% |
| MICHAEL R GESY3 Filed as: MICHAEL GESY | 6541 46TH AVE SE SAINT CLOUD, MN 56304 | AFLAC | $50 | — | $50 | 0.38% |
| JEFFREY D HARNED3 Filed as: JEFFREY HANSEN | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $37 | — | $37 | 0.28% |
| JOHN P THOMPSON3 Filed as: JOHN THOMPSON SR | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $31 | — | $31 | 0.24% |
| BONITA BENSCHOTER3 | 1787 WESTWIND RD SAINT CLOUD, MN 56303 | AFLAC | $21 | — | $21 | 0.16% |
| MICHELLE MAGUIRE3 | 7825 WASHINGTON AVE S STE 425 MINNEAPOLIS, MN 55425 | AFLAC | $15 | — | $15 | 0.11% |
| JESSIE ALTRINGER3 | 3312 PIONEER TRL HAMEL, MN 55340 | AFLAC | $10 | — | $10 | 0.08% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $9 | — | $9 | 0.07% |
| KRISTIE NOSBISH3 | 1909 31ST AVE SW APT 313 MINOT, ND 58701 | AFLAC | $8 | — | $8 | 0.06% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $5 | — | $5 | 0.04% |
| CORY L CAMPBELL3 Filed as: CORY CAMPBELL | 13139 FERRIS CT APPLE VALLEY, MN 55124 | AFLAC | $1 | — | $1 | 0.01% |
| MATTHEW R LORENZ3 Filed as: MATTHEW LORENZ | 1021 PROSPECT POINTE RD JORDAN, MN 55352 | 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 | $3 | — | $3 | 0.98% |
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 | 642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 91 | $73K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 496 | $301K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 496 | $301K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 496 | $301K |
| Other(7 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 496 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.