| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE BROKERS3 Filed as: PINNACLE EMPLOYEE BENEFITS | 710 31ST AVENUE SW MINOT, ND 58701 | SANFORD HEALTH PLAN | $20K | $0 | $20K | 1.88% |
| PINNACLE BROKERS3 Filed as: PINNACLE EMPLOYEE BENEFITS LLC | 710 31ST AVENUE SW MINOT, ND 58701 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $618 | $9K | 10.12% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.43% |
| CASSANDRA LOARD3 | 1520 69TH STREET NW MINOT, ND 58703 | AFLAC | $4K | $110 | $4K | 6.47% |
| CYNTHIA D WELKEN-PLACE3 Filed as: CYNTHIA WELKEN-PLACE & OTHER AGENTS | 5335 SOUTH RANGER TRAIL GILBERT, AZ 85298 | AFLAC | $1K | $0 | $1K | 1.91% |
| LEANNE R PETERSON3 Filed as: LEANNE PETERSON | 603 STEVENSON STREET NW BERTHOLD, ND 58718 | AFLAC | $1K | $21 | $1K | 1.77% |
| JANEL FUCHS3 | 516 7TH AVENUE SE MINOT, ND 58701 | AFLAC | $641 | $0 | $641 | 1.08% |
| GENEIL M VEDAA3 Filed as: GENEIL VEDAA | PO BOX 550 VELVA, ND 58790 | AFLAC | $388 | $0 | $388 | 0.66% |
| SHELBY J BARSTAD3 Filed as: SHELBY BARST AD | PO BOX 345 VELVA, ND 58790 | AFLAC | $280 | $0 | $280 | 0.47% |
| KIMBERLY JO WELSTAD ESTATE3 | 2732 ACADEMY ROAD MINOT, ND 58703 | AFLAC | $242 | $0 | $242 | 0.41% |
| PINNACLE BROKERS3 Filed as: PINNACLE EMPLOYEE BENEFITS LLC | 710 31ST AVENUE SW MINOT, ND 58701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $312 | $7K | 14.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 6.44% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 207 | $1.1M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 115 | $149K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 115 | $149K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 172 | $104K |
| Short-term disability | AFLAC | 56 | $59K |
| Prescription drug | SANFORD HEALTH PLAN | 207 | $1.1M |
| Other(3 contracts, 3 carriers) | SANFORD HEALTH PLAN | 207 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
No prospect flags tripped on this filing.