| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAWNIA HEILMAN3 | 228 DAKOTA ST HARVEY, ND 58341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.49% |
| TAWNIA HEILMAN3 | 228 DAKOTA ST HARVEY, ND 58341 | UNION SECURITY INSURANCE COMPANY | $747 | $0 | $747 | 17.00% |
| JANEL FUCHS3 Filed as: JANEL K FUCHS | 516 7TH AVE. SE MINOT, ND 58701 | AFLAC | $2K | $0 | $2K | — |
| LOARD AGENCY INC3 | 1520 69TH ST. NW MINOT, ND 58703 | AFLAC | $2K | $59 | $2K | — |
| LEANNE R PETERSON3 | 603 STEVENSON ST. NW BERTHOLD, ND 58718 | AFLAC | $1K | $20 | $1K | — |
| GENEIL M VEDAA3 | PO BOX 550 VELVA, ND 58701 | AFLAC | $1K | $0 | $1K | — |
| KIMBERLY J WELSTAD3 | 1513 COOK DR. MINOT, ND 58701 | AFLAC | $708 | $0 | $708 | — |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR. MINOT, ND 58503 | AFLAC | $707 | $0 | $707 | — |
| BROOKE HANSEN3 | 1918 1ST AVE W C18 WILLISTON, ND 58801 | AFLAC | $634 | $35 | $669 | — |
| SHELBY J BARSTAD3 Filed as: SHELBY BARSTAD | PO BOX 345 VELVA, ND 58790 | AFLAC | $660 | $0 | $660 | — |
| MICHAEL D EVANS JR3 Filed as: MICHAEL D EVANS | 113 5TH ST. SE WATERTOWN, SD 57201 | AFLAC | $420 | $0 | $420 | — |
| CASSANDRA LOARD3 | 1520 69TH ST NW MINOT, ND 58703 | AFLAC | $388 | $0 | $388 | — |
| BROOKE HANSEN3 Filed as: BROOKE VEDAA | 1918 1ST AVE W C18 WILLISTON, ND 58801 | AFLAC | $309 | $0 | $309 | — |
| ERIN RENAE SUND3 | 1370 20TH AVE. SW MINOT, ND 58701 | AFLAC | $126 | $0 | $126 | — |
| NICHOLE L EGEBERG BERNSDORF3 Filed as: NICHOLE L LEGEBERG BERNSDORF | PO BOX 297 900 JOHNSON ST. BURLINGTON, ND 58722 | AFLAC | $105 | $0 | $105 | — |
| SONYA LYNN FAKEN3 | 5601 38TH ST SW MINOT, ND 58701 | AFLAC | $89 | $0 | $89 | — |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR. WATERTOWN, SD 57201 | AFLAC | $87 | $0 | $87 | — |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $73 | $0 | $73 | — |
| JOLYNNE M MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $69 | $0 | $69 | — |
| ELLIE PAPINEAU LLC3 | 2898 5TH AVE W DICKINSON, ND 58601 | AFLAC | $41 | $0 | $41 | — |
| DEBRA M BAHLEY3 | 902 7TH ST E DICKINSON, ND 58601 | AFLAC | $33 | $0 | $33 | — |
| ASHLEY MURPHY3 | 7036 66TH AVE. NW DONNYBROOK, ND 58734 | AFLAC | $32 | $0 | $32 | — |
| NATHAN BUTLER CORBIN3 | 404 2ND AVE NW MANDAN, ND 58554 | AFLAC | $32 | $0 | $32 | — |
| TESSA D JENSEN3 | PO BOX 176 MINNEWAUKAN, ND 58601 | AFLAC | $24 | $0 | $24 | — |
| KARA M CARMODY3 | 718 HOYT AVE. E. ST. ST. PAUL, MN 55106 | AFLAC | $15 | $0 | $15 | — |
| STACY GUNLIKSON3 | 1115 2ND AVE. E WILLISTON, ND 58801 | AFLAC | $14 | $0 | $14 | — |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $14 | $0 | $14 | — |
| COLLEEN S SCHUMAKER GRAHAM3 | 1046 SIMS ST. DICKINSON, ND 58601 | AFLAC | $13 | $0 | $13 | — |
| SABRINA L HERRMANN3 | 621 LAKE ST. MINOT, ND 58703 | AFLAC | $11 | $0 | $11 | — |
| DAVID P AESOPH3 | 1301 SOUTH SUMMIT AVE. SIOUX FALLS, SD 57105 | AFLAC | $10 | $0 | $10 | — |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $6 | $0 | $6 | — |
| CSP INSURANCE AGENT INC3 Filed as: CSP INSURANCE AGENT | 4207 BOULDER RIDGE RD SUITE 140 BISMARCK, ND 58503 | AFLAC | $5 | $0 | $5 | — |
| WILLIAM M BARNETT3 | 703 NORTH SAGEHORN DR. HARTFORD, SD 57033 | AFLAC | $3 | $0 | $3 | — |
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 | 152 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ND | 154 | $959K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $42K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $37K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.