| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE BEHRENS AGENCY LLC3 | 1800 E MAIN ST STE C MANDAN, ND 58554 | AFLAC | $9K | $985 | $10K | 8.62% |
| JASON OCHSENDORF3 | 3761 16TH ST S MOORHEAD, MN 56560 | AFLAC | $3K | $288 | $3K | 2.49% |
| LISA JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $2K | $104 | $2K | 1.51% |
| CSP INSURANCE AGENT INC3 | 4207 BLOUDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC | $1K | $239 | $2K | 1.38% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $1K | $289 | $1K | 1.30% |
| JULIE BEHRENS AGENCY LLC3 Filed as: JULIE A BEHRENS | 3252 22ND AVE MANDAN, ND 58554 | AFLAC | $907 | $95 | $1K | 0.88% |
| JODY L WALK3 | 4071 W LOXTON LOOP COEUR D ALENE, ID 83815 | AFLAC | $935 | — | $935 | 0.82% |
| BEN JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $642 | $22 | $664 | 0.58% |
| ANDREW C MJONESS3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $535 | $57 | $592 | 0.52% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $407 | $57 | $464 | 0.41% |
| KATHY JEAN RUMPLE3 | 2611 SUNNYVIEW PL BISMARCK, ND 58503 | AFLAC | $422 | $38 | $460 | 0.40% |
| ARYN E DANGERUD3 | 804 HIGHWAY 21 MOTT, ND 58646 | AFLAC | $447 | — | $447 | 0.39% |
| JOHN J FREDERICK3 | PO BOX 554 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC | $413 | — | $413 | 0.36% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC | $393 | — | $393 | 0.34% |
| MITCHELL B MCBETH3 | 4479 S FORTUNA WAY SALT LAKE CITY, UT 84124 | AFLAC | $277 | $41 | $318 | 0.28% |
| CAROL A BENDER3 | 2091 LAKEVIEW SOUTH DRIVE INGLESIDE, TX 78362 | AFLAC | $289 | — | $289 | 0.25% |
| JENNA LAPIERRE3 | 2317 PATTISON AVE CHEYENNE, WY 82009 | AFLAC | $234 | — | $234 | 0.20% |
| TIMOTHY L SCHUMACHER3 | PO BOX 3171 BISMARCK, ND 58502 | AFLAC | $200 | — | $200 | 0.17% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY COURT RAPID CITY, SD 57703 | AFLAC | $195 | — | $195 | 0.17% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $193 | — | $193 | 0.17% |
| CARRIE PALCZEWSKI3 | 4207 BLOUDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC | $150 | $14 | $164 | 0.14% |
| AUDRIANA DECKERT3 | 1216 12 N 2ND STREET BISMARCK, ND 58501 | AFLAC | $137 | — | $137 | 0.12% |
| MICHAEL A MAYER3 | PO BOX 5625 PASCO, WA 99302 | AFLAC | $129 | — | $129 | 0.11% |
| CATHY J OLIVER3 | 201 WEST BURNSVILLE PKWY SUITE 116 BURNSVILLE, MN 55337 | AFLAC | $127 | — | $127 | 0.11% |
| LISA HALL3 | 8601 TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | AFLAC | $102 | $16 | $118 | 0.10% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT T ECHOLS | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $93 | — | $93 | 0.08% |
| MARSHA L ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $90 | — | $90 | 0.08% |
| BRADLEY DEFRANK3 | 4400 KENSINGTON AVE RICHMOND, VA 23221 | AFLAC | $71 | $8 | $79 | 0.07% |
| SCOTT C OLSEN3 | 3534 SAWGRASS CT RAPID CITY, SD 57703 | AFLAC | $62 | — | $62 | 0.05% |
| TREY JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $57 | — | $57 | 0.05% |
| NEENA W BEVERLY3 | 11521 S BLACK FOREST DR SANDY, UT 84094 | AFLAC | $43 | $8 | $51 | 0.04% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $50 | — | $50 | 0.04% |
| COLLEEN J GILL3 | 115 WILCOX BOX 32 CENTER, ND 58530 | AFLAC | $49 | — | $49 | 0.04% |
| TYLER KOHLER3 Filed as: TYLER R KOHLER | 1323 E BENT PINE COVE DRAPER, UT 84020 | AFLAC | $45 | — | $45 | 0.04% |
| BRENDA K VANBERKOM3 | PO BOX 168 POWERS LAKE, ND 58773 | AFLAC | $42 | — | $42 | 0.04% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $34 | $8 | $42 | 0.04% |
| NICHOLAS BEHRENS3 | 3252 22ND AVE MANDAN, ND 58554 | AFLAC | $39 | — | $39 | 0.03% |
| MARSHA REINISCH3 | 6008 SHOAL DR BISMARCK, ND 58503 | AFLAC | $33 | — | $33 | 0.03% |
| CANDICE S CLARK3 | 505 W MAIN STREET ST ANTHONY, ID 83445 | AFLAC | $27 | — | $27 | 0.02% |
| JEREMY E GUTHMILLER3 | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC | $27 | — | $27 | 0.02% |
| GREGORY D JOURGENSEN3 | 6974 WILDERNESS TRAIL CHEYENNE, WY 82001 | AFLAC | $25 | — | $25 | 0.02% |
| LYNN E MOLLER3 | 332 EAST 1ST ST N WICHITA, KS 67202 | AFLAC | $20 | — | $20 | 0.02% |
| KEIFER GROUP INS AGCY LC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $16 | — | $16 | 0.01% |
| PETER LEYER3 | PO BOX 1000 WEST JORDAN, UT 84084 | AFLAC | $14 | — | $14 | 0.01% |
| MIKE LUNDQUIST3 | 4541 S MOSSY SPRINGS LN SALT LAKE CITY, UT 84117 | AFLAC | $12 | — | $12 | 0.01% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $12 | — | $12 | 0.01% |
| LANCE E SULLIVAN3 | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $9 | — | $9 | 0.01% |
| MARC MICKELSEN3 | 1324 S 1900 E SALT LAKE CITY, UT 84108 | AFLAC | $8 | — | $8 | 0.01% |
| OWEN K FOX3 | 3674 ELK VALLEY LN SOUTH JORDAN, UT 84095 | AFLAC | $7 | — | $7 | 0.01% |
| DAMON R STREETMAN3 | 2961 WEST MAPLE LOOP ROAD SUITE 230 LEHI, UT 84043 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| JULIE SMITH AGENCY LLC3 Filed as: JULIE SMITH | 720 N BELL ST BISMARCK, ND 58501 | AFLAC | $1 | — | $1 | 0.00% |
| DARYL BRAUN3 | 4431 MEMORIAL HWY MANDAN, ND 58554 | PRUDENTIAL | $7K | — | $7K | 22.35% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 587 | $3.2M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 587 | $181K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 533 | $46K |
| Life insurance(2 contracts) | PRUDENTIAL | 270 | $65K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 74 | $117K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 74 | $117K |
| Other(5 contracts) | PRUDENTIAL | 270 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.