| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOARD AGENCY INC3 | 1520 69TH STREET NW MINOT, ND 58703 | AFLAC | $5K | $471 | $6K | 5.42% |
| LEANNE R PETERSON3 Filed as: LEANNE R. PETERSON | 603 STEVENSON STREET NW BERTHOLD, ND 58718 | AFLAC | $2K | $137 | $2K | 1.98% |
| MJ INSURANCE3 Filed as: SHELBY BARSTAD AND VARIOUS AGENTS | PO BOX 345 VELVA, ND 58790 | AFLAC | $2K | $0 | $2K | 1.76% |
| JANEL FUCHS3 Filed as: JANEL K. FUCHS | 516 7TH AVENUE SE MINOT, ND 58701 | AFLAC | $2K | $0 | $2K | 1.52% |
| GENEIL M VEDAA3 Filed as: GENEIL M. VEDAA | PO BOX 550 VELVA, ND 58790 | AFLAC | $1K | $0 | $1K | 1.14% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA D. WELKEN-PLACE | 601 CODY DRIVE BISMARCK, ND 58503 | AFLAC | $720 | $0 | $720 | 0.67% |
| KIMBERLY J WELSTAD3 Filed as: KIMBERLY J. WELSTAD | 1513 COOK DRIVE MINOT, ND 58701 | AFLAC | $704 | $0 | $704 | 0.65% |
| TAWNIA HEILMAN3 Filed as: TAWNIA M. HEILMAN | 228 DAKOTA STREET HARVEY, ND 58341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.81% |
| LOARD AGENCY INC3 | 1520 69TH STREET NW MINOT, ND 58703 | AFLAC | $640 | $23 | $663 | 6.37% |
| JANEL FUCHS3 Filed as: JANEL K. FUCHS | 516 7TH AVENUE SE MINOT, ND 58701 | AFLAC | $170 | $0 | $170 | 1.63% |
| MJ INSURANCE3 Filed as: SHELBY BARSTAD AND VARIOUS AGENTS | PO BOX 345 VELVA, ND 58790 | AFLAC | $164 | $0 | $164 | 1.58% |
| LEANNE R PETERSON3 Filed as: LEANNE R. PETERSON | 603 STEVENSON STREET NW BERTHOLD, ND 58718 | AFLAC | $150 | $5 | $155 | 1.49% |
| GENEIL M VEDAA3 Filed as: GENEIL M. VEDAA | PO BOX 550 VELVA, ND 58790 | AFLAC | $125 | $0 | $125 | 1.20% |
| KIMBERLY J WELSTAD3 Filed as: KIMBERLY J. WELSTAD | 1513 COOK DRIVE MINOT, ND 58701 | AFLAC | $116 | $0 | $116 | 1.11% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA D. WELKEN-PLACE | 601 CODY DRIVE BISMARCK, ND 58503 | AFLAC | $89 | $0 | $89 | 0.86% |
| TAWNIA HEILMAN3 Filed as: TAWNIA M. HEILMAN | 228 DAKOTA STREET HARVEY, ND 58341 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 16.92% |
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 | 147 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 164 | $1.1M |
| Dental(2 contracts) | AFLAC | 75 | $118K |
| Vision(2 contracts) | AFLAC | 75 | $118K |
| Life insurance(4 contracts, 3 carriers) | AFLAC | 147 | $169K |
| Short-term disability(2 contracts) | AFLAC | 75 | $118K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $41K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 164 | $1.1M |
| Other(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 164 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.