| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSANNA GRACE DEAN3 | 314 NORTHWESTERN DRIVE GRAND FORKS, ND 58203 | AFLAC | $10K | $302 | $11K | 9.41% |
| GREG LITZ3 | 10 S 3RD ST GRAND FORKS, ND 58201 | AFLAC | $9K | $564 | $9K | 8.01% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $3K | $269 | $3K | 2.55% |
| KIRK MOTL3 Filed as: KIRK A MOTL | 3101 LONGBOW CT GRAND FORKS, ND 58203 | AFLAC | $2K | $405 | $3K | 2.49% |
| ERIC KENDALL3 | 3720 CHERRY ST APT G27 GRAND FORKS, ND 58201 | AFLAC | $2K | $63 | $2K | 1.71% |
| LAWRENCE R ZAHRADKA3 | 1726 CEDAR STREET EMERADO, ND 58228 | AFLAC | $618 | $9 | $627 | 0.55% |
| MALLORY LYNN BRITTON3 Filed as: MALLORY BRITTON | 1118 S 9TH ST GRAND FORKS, ND 58201 | AFLAC | $178 | — | $178 | 0.16% |
| SASHA CAMPBELL3 | 5105 49TH AVE S FARGO, ND 58104 | AFLAC | $110 | $7 | $117 | 0.10% |
| JASON E BLAKE3 | 3432 CHERRY ST APT B2 GRAND FORKS, ND 58201 | AFLAC | $60 | — | $60 | 0.05% |
| BRITTANI M GLIMSDAHL3 | 2005 GATEWAY DR GRAND FORKS, ND 58203 | AFLAC | $56 | — | $56 | 0.05% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $44 | — | $44 | 0.04% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $44 | — | $44 | 0.04% |
| CATHY J OLIVER3 Filed as: CATHY OLIVER | 14795 BOISE CIR ROSEMOUNT, MN 55068 | AFLAC | $40 | — | $40 | 0.04% |
| JAMES D NICHOL3 | 520 WELLINGTON COURT WEST FARGO, ND 58078 | AFLAC | $36 | — | $36 | 0.03% |
| JOANNA C HELMS3 | PO BOX 42, 702 8TH ST MANVEL, ND 58256 | AFLAC | $33 | — | $33 | 0.03% |
| JEREMY L TOMLINSON3 | 2805 N 36TH ST BOISE, ID 83703 | AFLAC | $23 | — | $23 | 0.02% |
| SHARON NELSON3 Filed as: SHARON L NELSON | 1030 NORTH 5TH ST WARREN, MN 56762 | AFLAC | $12 | — | $12 | 0.01% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $12 | — | $12 | 0.01% |
| ASHLEY BENNETT LLC3 | 405 8TH AVE NW STE 327 ABERDEEN, SD 57401 | AFLAC | $7 | — | $7 | 0.01% |
| ENROLLEASE3 Filed as: HANRATTY & ASSOCIATES | 9800 SHELARD PKWY, STE 340 PLYMOUTH, MN 55441 | AFLAC | $7 | — | $7 | 0.01% |
| LUZ NEREIDA GONZALEZ-VARGAS3 | 1415 S HIGH ST APT 28 ABERDEEN, SD 57401 | AFLAC | $6 | — | $6 | 0.01% |
| SHARON D GROVE3 Filed as: SHARON L GUSTIN | 5307 W SUNNYDALE PL SIOUX FALLS, SD 57106 | AFLAC | $6 | — | $6 | 0.01% |
| TERRY E ANDERSON3 | 700 CEDAR ST, STE 185 ALEXANDRIA, MN 56308 | AFLAC | $5 | — | $5 | 0.00% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC | $2 | — | $2 | 0.00% |
| PEAK INC3 | 1130 S BURR STE 300 MITCHELL, SD 57301 | AFLAC | $1 | — | $1 | 0.00% |
| DONALD LARRY REYNOLDS3 | 8945 33RD ST N #B LAKE ELMO, MN 55042 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $1 | — | $1 | 0.00% |
| TRACI J MOORE3 | 5712 COUNTY ROAD 141 ST CLOUD, MN 56301 | AFLAC | $1 | — | $1 | 0.00% |
| NORIDIAN INSURANCE SERVICES INC | 4510 13TH AVE SW FARGO, ND 58121 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DIRECT BENEFITS INC Filed as: DIRECT BENEFITS | 55 EAST 5TH ST #500 ST PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.00% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 581210001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 20.39% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 581210001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 20.49% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $354 | — | $354 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS NONE | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $0 |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 181 | $466K |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 231 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 146 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 202 | $30K |
| Short-term disability | AFLAC | 129 | $114K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 181 | $466K |
| Other(4 contracts, 3 carriers) | AFLAC | 202 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
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.