| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: NATHAN CORBIN AND VARIOUS AGENTS | 404 2ND AVENUE NORTHWEST MANDAN, ND 58554 | AFLAC | $3K | $547 | $4K | 5.05% |
| KIRK MOTL3 Filed as: KIRK A. MOTL | 3101 LONGBOW COURT GRAND FORKS, ND 58203 | AFLAC | $3K | $142 | $4K | 4.55% |
| GENEIL M VEDAA3 Filed as: GENEIL M. VEDAA | PO BOX 550 VELVA, ND 58790 | AFLAC | $2K | $171 | $2K | 2.40% |
| GREG LITZ3 | 10 SOUTH 3RD STREET GRAND FORKS, ND 58201 | AFLAC | $1K | $25 | $1K | 1.40% |
| MELISSA STUART INC3 Filed as: MELISSA STUART INC. | 4122 OVERLAND ROAD BISMARK, ND 58503 | AFLAC | $863 | $41 | $904 | 1.14% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PARKWAY SOUTH SUITE C FARGO, ND 58104 | AFLAC | $718 | $32 | $750 | 0.95% |
| ELLIE PAPINEAU LLC3 | 2898 5TH AVENUE WEST DICKINSON, ND 58601 | AFLAC | $583 | $135 | $718 | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203312 DALLAS, TX 75320 | DELTA DENTAL OF MINNESOTA | $4K | $0 | $4K | 10.00% |
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 | 89 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AFLAC | 89 | $119K |
| Vision | AFLAC | 89 | $79K |
| Short-term disability | AFLAC | 89 | $79K |
| Long-term disability | AFLAC | 89 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.