| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE BEHRENS AGENCY LLC3 | 1800 E MAIN ST STE C MANDAN, ND 58554 | AFLAC | $5K | $77 | $5K | 6.12% |
| LISA JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $939 | $25 | $964 | 1.14% |
| JASON OCHSENDORF3 | 3761 16TH ST S MOORHEAD, MN 56560 | AFLAC | $601 | $150 | $751 | 0.89% |
| CSP INSURANCE AGENT INC3 | 4207 BLOUDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC | $721 | $13 | $734 | 0.87% |
| JULIE BEHRENS AGENCY LLC3 Filed as: JULIE A BEHRENS | 3252 22ND AVE MANDAN, ND 58554 | AFLAC | $492 | $20 | $512 | 0.61% |
| JODY L WALK3 | 2445 LAKE VISTA CT APT 115 CASSELBERRY, FL 32707 | AFLAC | $453 | $0 | $453 | 0.54% |
| JULIE SMITH AGENCY LLC3 | 720 N BELL ST BISMARCK, ND 58501 | AFLAC | $397 | $0 | $397 | 0.47% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $361 | $0 | $361 | 0.43% |
| JOHN J FREDERICK3 | PO BOX 554 DAYTON, WY 82836 | AFLAC | $327 | $0 | $327 | 0.39% |
| BEN JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $315 | $6 | $321 | 0.38% |
| TUCKER B GOSBEE3 | 325 W 18TH ST STE 5 CHEYENNE, WY 82001 | AFLAC | $302 | $0 | $302 | 0.36% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC | $301 | $0 | $301 | 0.36% |
| ANDREW C MJONESS3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $258 | $30 | $288 | 0.34% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $183 | $30 | $213 | 0.25% |
| TREY JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $200 | $6 | $206 | 0.24% |
| CAROL A BENDER3 | 2091 LAKEVIEW SOUTH DRIVE INGLESIDE, TX 78362 | AFLAC | $177 | $0 | $177 | 0.21% |
| TIMOTHY L SCHUMACHER3 | PO BOX 3171 BISMARCK, ND 58502 | AFLAC | $170 | $0 | $170 | 0.20% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $124 | $0 | $124 | 0.15% |
| CARRIE PALCZEWSKI3 | 4207 BLOUDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC | $96 | $3 | $99 | 0.12% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY COURT RAPID CITY, SD 57703 | AFLAC | $94 | $0 | $94 | 0.11% |
| TUCKER B GOSBEE3 | 7000 YELLOWTAIL RD #130 CHEYENNE, WY 82009 | AFLAC | $86 | $0 | $86 | 0.10% |
| VINCENT TAYLOR ECHOLS3 Filed as: VINCENT T ECHOLS | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $79 | $0 | $79 | 0.09% |
| MARSHA L ECHOLS3 | PO BOX 594 THATCHER, AZ 85552 | AFLAC | $79 | $0 | $79 | 0.09% |
| MICHAEL A MAYER3 | PO BOX 5625 PASCO, WA 99302 | AFLAC | $76 | $0 | $76 | 0.09% |
| CATHY J OLIVER3 | 14795 BOISE CIR ROSEMOUNT, MN 55068 | AFLAC | $68 | $0 | $68 | 0.08% |
| MITCHELL B MCBETH3 | 4479 S FORTUNA WAY SALT LAKE CITY, UT 84124 | AFLAC | $67 | $0 | $67 | 0.08% |
| BEN JENKINS3 | 768 RANGER DRIVE CHEYENNE, WY 82009 | AFLAC | $66 | $0 | $66 | 0.08% |
| COLLEEN J GILL3 | 115 WILCOX BOX 32 CENTER, ND 58530 | AFLAC | $42 | $0 | $42 | 0.05% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $42 | $0 | $42 | 0.05% |
| CATHY J OLIVER3 | 201 WEST BURNSVILLE PKWY SUITE 116 BURNSVILLE, MN 55337 | AFLAC | $39 | $0 | $39 | 0.05% |
| JULIE SMITH AGENCY LLC3 Filed as: JULIE SMITH | 720 N BELL ST BISMARCK, ND 58501 | AFLAC | $23 | $15 | $38 | 0.05% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $38 | $0 | $38 | 0.05% |
| BETTY L RUSSOW3 | PO BOX 836 HOT SPRINGS, SD 57747 | AFLAC | $37 | $0 | $37 | 0.04% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC | $37 | $0 | $37 | 0.04% |
| BRENDA K VANBERKOM3 | PO BOX 168 POWERS LAKE, ND 58773 | AFLAC | $30 | $0 | $30 | 0.04% |
| CANDICE S CLARK3 | 355 WEST LOVEJOY ST POCATELLO, ID 83204 | AFLAC | $22 | $0 | $22 | 0.03% |
| JEREMY E GUTHMILLER3 | PO BOX 104 PETTIBONE, ND 58475 | AFLAC | $22 | $0 | $22 | 0.03% |
| TYLER KOHLER3 Filed as: TYLER R KOHLER | 1323 E BENT PINE COVE DRAPER, UT 84020 | AFLAC | $20 | $0 | $20 | 0.02% |
| LISA HALL3 | 2542 SUNDOWN DR COEUR DALENE, ID 83815 | AFLAC | $18 | $0 | $18 | 0.02% |
| GREGORY D JOURGENSEN3 | 6524 RIVERBEND RD CHEYENNE, WY 82001 | AFLAC | $17 | $0 | $17 | 0.02% |
| LYNN E MOLLER3 | 332 EAST 1ST ST N WICHITA, KS 67202 | AFLAC | $17 | $0 | $17 | 0.02% |
| BRADLEY DEFRANK3 | 4400 KENSINGTON AVE RICHMOND, VA 23221 | AFLAC | $16 | $0 | $16 | 0.02% |
| KEIFER GROUP INS AGCY LC3 | 155 INVERNESS DR W STE 300 ENGLEWOOD, CO 80112 | AFLAC | $14 | $0 | $14 | 0.02% |
| NEENA W BEVERLY3 | 1888 E 6400 S HOLLADAY, UT 84121 | AFLAC | $11 | $0 | $11 | 0.01% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $11 | $0 | $11 | 0.01% |
| DANIEL D LINDBERG3 | PO BOX 635 STANLEY, ND 58784 | AFLAC | $10 | $0 | $10 | 0.01% |
| PETER LEYER3 | PO BOX 1000 WEST JORDAN, UT 84084 | AFLAC | $6 | $0 | $6 | 0.01% |
| OWEN K FOX3 | 3674 ELK VALLEY LN SOUTH JORDAN, UT 84095 | AFLAC | $6 | $0 | $6 | 0.01% |
| NEENA W BEVERLY3 | 11521 S BLACK FOREST DR SANDY, UT 84094 | AFLAC | $6 | $0 | $6 | 0.01% |
| MIKE LUNDQUIST3 | 4541 S MOSSY SPRINGS LN SALT LAKE CITY, UT 84117 | AFLAC | $5 | $0 | $5 | 0.01% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $5 | $0 | $5 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $5 | $0 | $5 | 0.01% |
| MARC MICKELSEN3 | 1324 S 1900 E SALT LAKE CITY, UT 84108 | AFLAC | $3 | $0 | $3 | 0.00% |
| LANCE E SULLIVAN3 | 2105 LAVERS CIR APT 211 DELRAY BEACH, FL 33444 | AFLAC | $2 | $0 | $2 | 0.00% |
| LISA HALL3 | 8601 TURNPIKE DR STE 206 WESTMINSTER, CO 80031 | AFLAC | $2 | $0 | $2 | 0.00% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $2 | $0 | $2 | 0.00% |
| KARA M CARMODY3 | 718 HOYT AVE. E. ST ST. PAUL, MN 55106 | AFLAC | $2 | $0 | $2 | 0.00% |
| MICHELLE J HALLER3 Filed as: MICHELLE L WRIGHT | 606 E FRUITWOOD LN SANDY, UT 84070 | AFLAC | $2 | $0 | $2 | 0.00% |
| WILLIAM M BARNETT3 | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC | $2 | $0 | $2 | 0.00% |
| NICHOLAS BEHRENS3 | 3252 22ND AVE MANDAN, ND 58554 | AFLAC | $1 | $0 | $1 | 0.00% |
| DAMON R STREETMAN3 | 2961 WEST MAPLE LOOP ROAD SUITE 230 LEHI, UT 84043 | AFLAC | $1 | $0 | $1 | 0.00% |
| BARRY BEVERLY3 Filed as: BARRY BEVERLY AND ASSOCIATES INC | 11521 S BLACK FOREST DR SANDY, UT 84094 | AFLAC | $1 | $0 | $1 | 0.00% |
| DARYL BRAUN3 | 4431 MEMORIAL HWY MANDAN, ND 58554 | PRUDENTIAL | $7K | $0 | $7K | 20.86% |
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 | 273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 273 | 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 | 516 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 522 | $159K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 484 | $40K |
| Life insurance(2 contracts) | PRUDENTIAL | 235 | $69K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 70 | $86K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 70 | $86K |
| Other(5 contracts) | PRUDENTIAL | 235 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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 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.