| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSANNA GRACE DEAN3 | 314 NORTHWESTERN DRIVE GRAND FORKS, ND 58203 | AFLAC | $11K | $183 | $11K | 12.30% |
| GREG LITZ3 | 2005 GATEWAY DRIVE GRAND FORKS, ND 58201 | AFLAC | $10K | $669 | $11K | 11.53% |
| KIRK MOTL3 Filed as: KIRK A MOTL | 3101 LONGBOW CT GRAND FORKS, ND 58203 | AFLAC | $5K | $25 | $5K | 5.65% |
| SHAWN D BENSER3 | 4840 AMBER BALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $3K | $230 | $4K | 3.79% |
| LAWRENCE R ZAHRADKA3 | 1726 CEDAR STREET EMERADO, ND 58228 | AFLAC | $1K | $225 | $1K | 1.47% |
| SASHA CAMPBELL3 | 5105 49TH AVE S FARGO, ND 58104 | AFLAC | $437 | $86 | $523 | 0.57% |
| ANNETTE ELAINE SPANIER3 | 534 HARVARD STREET GRAND FORKS, ND 58203 | AFLAC | $165 | $12 | $177 | 0.19% |
| CASEY SMITH3 | 2398 30TH AVE S APT 403 GRAND FORKS, ND 58201 | AFLAC | $157 | — | $157 | 0.17% |
| ERIC KENDALL3 | 3720 CHERRY ST APT G27 GRAND FORKS, ND 58201 | AFLAC | $142 | $6 | $148 | 0.16% |
| SHARON NELSON Filed as: SHARON L NELSON | 1030 NORTH 5TH ST WARREN, MN 56762 | AFLAC | $21 | $11 | $32 | 0.03% |
| JON BENEDA3 | 303 HOLTEN ST LANKIN, ND 58250 | AFLAC | $17 | — | $17 | 0.02% |
| ASHLEY BENNETT LLC3 | 405 8TH AVE NW STE 327 ABERDEEN, SD 57401 | AFLAC | $15 | — | $15 | 0.02% |
| LUZ NEREIDA GONZALEZ-VARGAS3 | 1415 S HIGH ST APT 28 ABERDEEN, SD 57401 | AFLAC | $13 | — | $13 | 0.01% |
| FARMERS UNION SERV ASSOCIATION LTD3 | PO BOX 2020 JAMESTOWN, ND 58402 | AFLAC | $12 | — | $12 | 0.01% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $9 | — | $9 | 0.01% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $9 | — | $9 | 0.01% |
| PEAK INC3 | 1130 S BURR STE 300 MITCHELL, SD 57301 | AFLAC | $3 | — | $3 | 0.00% |
| JUDY INGVALSON3 Filed as: JUDY J INGVALSON | 15166 13TH ST NE MAYVILLE, ND 58257 | AFLAC | $1 | — | $1 | 0.00% |
| MAXINE BACHMEIER3 | 3441 6TH AVE NE NORTHWOOD, ND 58267 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMY L TOMLINSON3 | 7825 WASHINGTON AVE S STE 425 MINNEAPOLIS, MN 55439 | AFLAC | $1 | — | $1 | 0.00% |
| JASON E BLAKE3 | 3432 CHERRY ST APT B2 GRAND FORKS, ND 58201 | AFLAC | $1 | — | $1 | 0.00% |
| CATHY J OLIVER3 Filed as: CATHY OLIVER | 14795 BOISE CIR ROSEMOUNT, MN 55068 | AFLAC | $1 | — | $1 | 0.00% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 17.49% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 581210001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 17.43% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $787 | — | $787 | 19.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS NONE | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $6K |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 183 | $401K |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 229 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $28K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 151 | $96K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 183 | $401K |
| Other(3 contracts, 2 carriers) | AFLAC | 202 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.