| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 8.54% |
| MIDDAUGH BENEFITS CONSULTING INC4 Filed as: MIDDAUGH & ASSOCIATES | PO BOX 2543 FARGO, ND 58108 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $10K | $0 | $10K | 3.92% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $2K | $46 | $2K | 4.36% |
| AMERICAN INSURANCE INC4 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ329) | $2K | $0 | $2K | 3.51% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $1K | $146 | $1K | 2.50% |
| CSP INSURANCE AGENT INC3 | 1110 COLLEGE DRIVE STE 215 BISMARCK, ND 58501 | AFLAC (GROUP UZ329) | $952 | $11 | $963 | 1.97% |
| MELISSA STUART INC3 Filed as: MELISSA STUART | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $246 | $148 | $394 | 0.80% |
| CYNTHIA D WELKEN-PLACE4 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $304 | $0 | $304 | 0.62% |
| MICHAEL D EVANS JR4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $275 | $0 | $275 | 0.56% |
| BRANDI LARSON4 Filed as: BRANDI BIERI | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP UZ329) | $209 | $32 | $241 | 0.49% |
| MELISSA STUART INC4 Filed as: MELISSA STUART | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $180 | $0 | $180 | 0.37% |
| CSP INSURANCE AGENT INC4 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $110 | $47 | $157 | 0.32% |
| KATE PALCZEWSKI INC4 Filed as: KATE PALCZEWSKI | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $140 | $0 | $140 | 0.29% |
| CHELSEY N NICHOLS4 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP UZ329) | $80 | $6 | $86 | 0.18% |
| JULIE BEHRENS AGENCY LLC3 | 1800 E MAIN ST STE C MANDAN, ND 58554 | AFLAC (GROUP UZ329) | $76 | $0 | $76 | 0.16% |
| CHRISTI M JESKE4 | 101 104TH AVE SW KILLDEER, ND 58640 | AFLAC (GROUP UZ329) | $69 | $0 | $69 | 0.14% |
| LEANNE R PETERSON4 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ329) | $60 | $6 | $66 | 0.13% |
| CARRIE PALCZEWSKI4 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $62 | $0 | $62 | 0.13% |
| GENEIL M VEDAA4 | BOX 550 VELVA, ND 58790 | AFLAC (GROUP UZ329) | $61 | $0 | $61 | 0.12% |
| YVONNE M CAMPBELL4 | 500 2ND AVE EAST LEMMON, SD 57638 | AFLAC (GROUP UZ329) | $35 | $0 | $35 | 0.07% |
| JESSICA FRINK4 | 3229 LINK DR BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $18 | $8 | $26 | 0.05% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC (GROUP UZ329) | $24 | $0 | $24 | 0.05% |
| LAWRENCE A NEHRING4 | PO BOX 518 MOHALL, ND 58761 | AFLAC (GROUP UZ329) | $24 | $0 | $24 | 0.05% |
| LYNN A BROKAW4 | 1406 S RENO DR BISMARCK, ND 58504 | AFLAC (GROUP UZ329) | $21 | $0 | $21 | 0.04% |
| STEPHEN C JONES4 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC (GROUP UZ329) | $21 | $0 | $21 | 0.04% |
| LAWRENCE A NEHRING4 | PO BOX 518 MOHALL, ND 58761 | AFLAC (GROUP UZ329) | $20 | $0 | $20 | 0.04% |
| MICHAEL D EVANS JR4 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $16 | $0 | $16 | 0.03% |
| SCOTT C OLSEN4 | 3534 SAWGRASS CT RAPID CITY, SD 57703 | AFLAC (GROUP UZ329) | $13 | $0 | $13 | 0.03% |
| JOLYNNE M MACK4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $13 | $0 | $13 | 0.03% |
| BRADY L WEISENBERGER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ329) | $13 | $0 | $13 | 0.03% |
| EUGENE BUTCH LINSTER4 | 3611 ANGEL WAY COURT RAPID CITY, SD 57703 | AFLAC (GROUP UZ329) | $12 | $0 | $12 | 0.02% |
| NATHAN BUTLER CORBIN4 | 404 2ND AVE NW MANDAN, ND 58554 | AFLAC (GROUP UZ329) | $12 | $0 | $12 | 0.02% |
| CRAIG WAYNE SOTTILE4 Filed as: CRAIG CIMBURA | 115 SCHOENES DR SW PIERZ, MN 56364 | AFLAC (GROUP UZ329) | $11 | $0 | $11 | 0.02% |
| DACOTAH BANK4 | PO BOX 1210 ABERDEEN, SD 57401 | AFLAC (GROUP UZ329) | $10 | $0 | $10 | 0.02% |
| KEVIN B VINING4 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC (GROUP UZ329) | $9 | $0 | $9 | 0.02% |
| J THEIS & ASSOCIATES INC3 | 960 S 24TH ST W SUITE H BILLINGS, MT 59102 | AFLAC (GROUP UZ329) | $8 | $0 | $8 | 0.02% |
| EUGENE BUTCH LINSTER4 | 3611 ANGEL WAY COURT RAPID CITY, SD 57703 | AFLAC (GROUP UZ329) | $7 | $0 | $7 | 0.01% |
| CARRIE PALCZEWSKI4 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $6 | $0 | $6 | 0.01% |
| KATHLEEN K JOHNSON4 | 610 27TH ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ329) | $4 | $0 | $4 | 0.01% |
| CHARLOTTE HEIM4 | 11212 71ST AVE NE BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $3 | $0 | $3 | 0.01% |
| DAVID A MIDDAUGH4 | PO BOX 2543 FARGO, ND 58108 | AFLAC (GROUP UZ329) | $2 | $0 | $2 | 0.00% |
| ANDREW C MJONESS4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ329) | $1 | $0 | $1 | 0.00% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| DIRECT BENEFITS INC4 Filed as: DIRECT BENEFITS | 325 CEDAR STREET ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.01% |
| MELISSA STUART INC4 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $612 | $59 | $671 | 4.48% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ323) | $455 | $0 | $455 | 3.04% |
| KATE PALCZEWSKI INC4 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $350 | $72 | $422 | 2.82% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $292 | $23 | $315 | 2.11% |
| CYNTHIA D WELKEN-PLACE4 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $91 | $0 | $91 | 0.61% |
| MICHAEL D EVANS JR4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $79 | $0 | $79 | 0.53% |
| MELISSA STUART INC4 Filed as: MELISSA STUART | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $46 | $0 | $46 | 0.31% |
| BRANDI LARSON4 Filed as: BRANDI BIERI | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP UZ323) | $23 | $20 | $43 | 0.29% |
| KATHLEEN K JOHNSON4 | 610 27TH ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ323) | $30 | $0 | $30 | 0.20% |
| GARY C KLEIN4 | 5924 BALFOUR CT STE 100 CARLSBAD, CA 92008 | AFLAC (GROUP UZ323) | $30 | $0 | $30 | 0.20% |
| CHELSEY N NICHOLS4 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP UZ323) | $21 | $4 | $25 | 0.17% |
| CSP INSURANCE AGENT INC4 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $24 | $0 | $24 | 0.16% |
| DAKOTA COMMUNITY BANK4 | PO BOX 431 HEBRON, ND 58638 | AFLAC (GROUP UZ323) | $18 | $0 | $18 | 0.12% |
| NATHAN BUTLER CORBIN4 | 404 2ND AVE NW MANDAN, ND 58554 | AFLAC (GROUP UZ323) | $16 | $0 | $16 | 0.11% |
| LEANNE R PETERSON4 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ323) | $11 | $4 | $15 | 0.10% |
| FIRST DAKOTA INC4 | 5555 W GRANDE MARKET DR APPLETON, ND 54913 | AFLAC (GROUP UZ323) | $14 | $0 | $14 | 0.09% |
| JESSICA FRINK4 | 3229 LINK DR BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $8 | $5 | $13 | 0.09% |
| BRENDA K VANBERKOM4 | PO BOX 168 POWERS LAKE, ND 58773 | AFLAC (GROUP UZ323) | $9 | $0 | $9 | 0.06% |
| JOHN J FREDERICK4 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC (GROUP UZ323) | $6 | $0 | $6 | 0.04% |
| BRADY L WEISENBERGER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ323) | $6 | $0 | $6 | 0.04% |
| JOLYNNE M MACK4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $6 | $0 | $6 | 0.04% |
| MICHAEL D EVANS JR4 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $4 | $0 | $4 | 0.03% |
| JOHN J FREDERICK4 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC (GROUP UZ323) | $3 | $0 | $3 | 0.02% |
| SCOTT WEBB4 | 2355 W PINNACLE PEAK RD ST 380 PHOENIX, AZ 85027 | AFLAC (GROUP UZ323) | $2 | $0 | $2 | 0.01% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $227 | $0 | $227 | 2.85% |
| AMERICAN INSURANCE INC4 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ298) | $227 | $0 | $227 | 2.85% |
| BRANDI LARSON4 Filed as: BRANDI BIERI | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP UZ298) | $169 | $0 | $169 | 2.12% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $120 | $0 | $120 | 1.51% |
| KATE PALCZEWSKI INC4 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $80 | $0 | $80 | 1.01% |
| CYNTHIA D WELKEN-PLACE4 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $79 | $0 | $79 | 0.99% |
| MICHAEL D EVANS JR4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $45 | $0 | $45 | 0.57% |
| CHRISTI M JESKE4 | 101 104TH AVE SW KILLDEER, ND 58640 | AFLAC (GROUP UZ298) | $45 | $0 | $45 | 0.57% |
| ELOISE KLOSE4 | 338 NORTH 31 STREET #6 BISMARCK, ND 58501 | AFLAC (GROUP UZ298) | $45 | $0 | $45 | 0.57% |
| LEANNE R PETERSON4 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ298) | $36 | $0 | $36 | 0.45% |
| JOHN J FREDERICK4 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC (GROUP UZ298) | $28 | $0 | $28 | 0.35% |
| GENEIL M VEDAA4 | BOX 550 VELVA, ND 58790 | AFLAC (GROUP UZ298) | $24 | $0 | $24 | 0.30% |
| BRENDA K VANBERKOM4 | PO BOX 168 POWERS LAKE, ND 58773 | AFLAC (GROUP UZ298) | $18 | $0 | $18 | 0.23% |
| GARY C KLEIN4 | 5924 BALFOUR CT STE 100 CARLSBAD, CA 92008 | AFLAC (GROUP UZ298) | $17 | $0 | $17 | 0.21% |
| JOHN J FREDERICK4 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC (GROUP UZ298) | $16 | $0 | $16 | 0.20% |
| FIRST DAKOTA INC4 | 5555 W GRANDE MARKET DR APPLETON, WI 54913 | AFLAC (GROUP UZ298) | $16 | $0 | $16 | 0.20% |
| MELISSA STUART INC4 Filed as: MELISSA STUART | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $15 | $0 | $15 | 0.19% |
| CSP INSURANCE AGENT INC4 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $10 | $0 | $10 | 0.13% |
| MICHAEL D EVANS JR4 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $8 | $0 | $8 | 0.10% |
| BRADY L WEISENBERGER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ298) | $2 | $0 | $2 | 0.03% |
| JOLYNNE M MACK4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $2 | $0 | $2 | 0.03% |
| DAVID P AESOPH4 | 1301 SOUTH SUMMIT AVE SIOUX FALLS, SD 57105 | AFLAC (GROUP UZ298) | $1 | $0 | $1 | 0.01% |
| MELISSA STUART INC4 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $408 | $20 | $428 | 10.00% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP E6W83) | $267 | $0 | $267 | 6.24% |
| KATE PALCZEWSKI INC4 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $155 | $4 | $159 | 3.71% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $131 | $4 | $135 | 3.15% |
| CYNTHIA D WELKEN-PLACE4 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $19 | $0 | $19 | 0.44% |
| MICHAEL D EVANS JR4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP E6W83) | $18 | $0 | $18 | 0.42% |
| BRADY L WEISENBERGER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP E6W83) | $1 | $0 | $1 | 0.02% |
| JOLYNNE M MACK4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP E6W83) | $1 | $0 | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS NONE | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $10K |
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 | 734 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 462 | $249K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 734 | $309K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 294 | $38K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 734 | $319K |
| Short-term disability(4 contracts, 4 carriers) | AFLAC (GROUP UZ329) | 72 | $76K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 734 | $312K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 734 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.