| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANEL FUCHS3 Filed as: JANEL K FUCHS | 516 7TH AVE. SE MINOT, ND 58701 | AFLAC | $3K | $54 | $3K | 2.75% |
| LEANNE R PETERSON3 | 603 STEVENSON ST. NW BERTHOLD, ND 58718 | AFLAC | $2K | $13 | $2K | 1.72% |
| CASSANDRA LOARD3 | 1520 69TH ST. NW MINOT, ND 58703 | AFLAC | $2K | $7 | $2K | 1.58% |
| GENEIL M VEDAA3 | PO BOX 550 VELVA, ND 58701 | AFLAC | $2K | $0 | $2K | 1.41% |
| ASHLEY MURPHY3 | 7036 66TH AVE. NW DONNYBROOK, ND 58734 | AFLAC | $1K | $0 | $1K | 0.87% |
| SHELBY J BARSTAD3 Filed as: SHELBY BARSTAD | PO BOX 345 VELVA, ND 58790 | AFLAC | $980 | $0 | $980 | 0.85% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR. MINOT, ND 58503 | AFLAC | $952 | $0 | $952 | 0.82% |
| KIMBERLY J WELSTAD3 | 1513 COOK DR. MINOT, ND 58701 | AFLAC | $933 | $0 | $933 | 0.81% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL D EVANS | 113 5TH ST. SE WATERTOWN, SD 57201 | AFLAC | $601 | $0 | $601 | 0.52% |
| ERIN RENAE SUND3 | 1370 20TH AVE. SW MINOT, ND 58701 | AFLAC | $338 | $13 | $351 | 0.30% |
| NICHOLE L EGEBERG BERNSDORF3 Filed as: NICHOLE L LEGEBERG BERNSDORF | PO BOX 297 900 JOHNSON ST. BURLINGTON, ND 58722 | AFLAC | $121 | $0 | $121 | 0.10% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR. WATERTOWN, SD 57201 | AFLAC | $115 | $0 | $115 | 0.10% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $89 | $0 | $89 | 0.08% |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $82 | $0 | $82 | 0.07% |
| COLLEEN S SCHUMAKER GRAHAM3 | 1046 SIMS ST. DICKINSON, ND 58601 | AFLAC | $74 | $0 | $74 | 0.06% |
| NATHAN BUTLER CORBIN3 | 404 2ND AVE NW MANDAN, ND 58554 | AFLAC | $70 | $0 | $70 | 0.06% |
| ELLIE PAPINEAU LLC3 | 2898 5TH AVE W DICKINSON, ND 58601 | AFLAC | $27 | $0 | $27 | 0.02% |
| TESSA D JENSEN3 | PO BOX 176 MINNEWAUKAN, ND 58601 | AFLAC | $25 | $0 | $25 | 0.02% |
| CHELSEY N NICHOLS3 | PO BOX 1235 MINOT, ND 58554 | AFLAC | $18 | $0 | $18 | 0.02% |
| STACY GUNLIKSON3 | 1115 2ND AVE. E WILLISTON, ND 58801 | AFLAC | $17 | $0 | $17 | 0.01% |
| KARA M CARMODY3 | 718 HOYT AVE. E. ST. ST. PAUL, MN 55106 | AFLAC | $17 | $0 | $17 | 0.01% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $16 | $0 | $16 | 0.01% |
| SABRINA L HERRMANN3 | 621 LAKE ST. MINOT, ND 58703 | AFLAC | $14 | $0 | $14 | 0.01% |
| MELISSA J SELZLER3 | 206 5TH AVE W VELVA, ND 58790 | AFLAC | $14 | $0 | $14 | 0.01% |
| DAVID P AESOPH3 | 1301 SOUTH SUMMIT AVE. SIOUX FALLS, SD 57105 | AFLAC | $12 | $0 | $12 | 0.01% |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $6 | $0 | $6 | 0.01% |
| WILLIAM M BARNETT3 | 703 NORTH SAGEHORN DR. HARTFORD, SD 57033 | AFLAC | $3 | $0 | $3 | 0.00% |
| BRANDI LARSON3 Filed as: BRANDI BERI | PO BOX 578 STANLEY, ND 58784 | AFLAC | $1 | $0 | $1 | 0.00% |
| TAWNIA HEILMAN3 | 228 DAKOTA ST HARVEY, ND 58341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.21% |
| TAWNIA HEILMAN3 | 228 DAKOTA ST HARVEY, ND 58341 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 16.98% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ND | 140 | $886K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $37K |
| Other(2 contracts, 2 carriers) | AFLAC | 142 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.