| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE BROKERS3 Filed as: PINNACLE EMPLOYEE BENEFITS | UNKNOWN MINOT, ND 58701 | SANFORD HEALTH PLAN | $21K | — | $21K | 1.82% |
| PINNACLE BROKERS3 Filed as: PINNACLE EMPLOYEE BENEFITS LLC | 710 31ST AVENUE SW, SUITE 3 MINOT, ND 58701 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.30% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| LOARD AGENCY INC3 | 1520 69TH STREET NW MINOT, ND 58703 | AFLAC | $3K | $129 | $3K | 5.17% |
| MJ INSURANCE3 Filed as: SHELBY BARSTAD AND VARIOUS AGENTS | PO BOX 345 VELVA, ND 58790 | AFLAC | $1K | $0 | $1K | 2.28% |
| LEANNE R PETERSON3 Filed as: LEANNE PETERSON | 603 STEVENSON STREET NW BERTHOLD, ND 58718 | AFLAC | $1K | $21 | $1K | 1.71% |
| JANEL FUCHS3 | 516 7TH AVENUE SE MINOT, ND 58701 | AFLAC | $741 | $0 | $741 | 1.17% |
| GENEIL M VEDAA3 Filed as: GENEIL VEDAA | PO BOX 550 VELVA, ND 58790 | AFLAC | $556 | $0 | $556 | 0.88% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN PLACE | 5335 S RANGER TRL GILBERT, AZ 85298 | AFLAC | $330 | $0 | $330 | 0.52% |
| KIMBERLY J WELSTAD3 Filed as: KIMBERLY WELSTAD | 1513 COOK DRIVE MINOT, ND 58701 | AFLAC | $319 | $0 | $319 | 0.50% |
| PINNACLE BROKERS3 Filed as: PINNACLE EMPLOYEE BENEFITS LLC | 710 31ST AVENUE SW, SUITE 3 MINOT, ND 58701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 14.92% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.97% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 187 | $1.2M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 110 | $139K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 110 | $139K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 172 | $102K |
| Short-term disability | AFLAC | 63 | $63K |
| Prescription drug | SANFORD HEALTH PLAN | 187 | $1.2M |
| Other(3 contracts, 3 carriers) | SANFORD HEALTH PLAN | 187 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.