| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDDAUGH BENEFITS CONSULTING INC4 | PO BOX 2543 FARGO, ND 58108 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $29K | $0 | $29K | 11.03% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 7.52% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.42% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $2K | $199 | $2K | 4.98% |
| AMERICAN INSURANCE INC4 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ329) | $1K | $0 | $1K | 3.16% |
| CSP INSURANCE AGENT INC3 | 1110 COLLEGE DRIVE STE 215 BISMARCK, ND 58501 | AFLAC (GROUP UZ329) | $912 | $39 | $951 | 2.13% |
| KATE PALCZEWSKI INC4 Filed as: KATE PALCZEWSKI | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $881 | $39 | $920 | 2.06% |
| CYNTHIA D WELKEN-PLACE4 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $248 | $0 | $248 | 0.56% |
| MICHAEL D EVANS JR4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $233 | $0 | $233 | 0.52% |
| MELISSA STUART INC3 Filed as: MELISSA STUART | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $169 | $0 | $169 | 0.38% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $132 | $0 | $132 | 0.30% |
| BRANDI LARSON4 Filed as: BRANDI BIERI | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP UZ329) | $123 | $0 | $123 | 0.28% |
| JOLYNNE M MACK4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $85 | $0 | $85 | 0.19% |
| CHELSEY N NICHOLS4 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP UZ329) | $68 | $0 | $68 | 0.15% |
| BRADY L WEISENBERGER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ329) | $65 | $0 | $65 | 0.15% |
| CARRIE PALCZEWSKI4 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $64 | $0 | $64 | 0.14% |
| LEANNE R PETERSON4 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ329) | $42 | $0 | $42 | 0.09% |
| YVONNE M CAMPBELL4 | 500 2ND AVE EAST LEMMON, SD 57638 | AFLAC (GROUP UZ329) | $38 | $0 | $38 | 0.09% |
| GENEIL M VEDAA4 | BOX 550 VELVA, ND 58790 | AFLAC (GROUP UZ329) | $34 | $0 | $34 | 0.08% |
| LAWRENCE A NEHRING4 | PO BOX 518 MOHALL, ND 58761 | AFLAC (GROUP UZ329) | $32 | $0 | $32 | 0.07% |
| CHRISTI M JESKE4 | 101 104TH AVE SW KILLDEER, ND 58640 | AFLAC (GROUP UZ329) | $31 | $0 | $31 | 0.07% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC (GROUP UZ329) | $26 | $0 | $26 | 0.06% |
| LYNN A BROKAW4 | 1406 S RENO DR BISMARCK, ND 58504 | AFLAC (GROUP UZ329) | $23 | $0 | $23 | 0.05% |
| STEPHEN C JONES4 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC (GROUP UZ329) | $23 | $0 | $23 | 0.05% |
| EUGENE BUTCH LINSTER4 | 3611 ANGEL WAY COURT RAPID CITY, SD 57703 | AFLAC (GROUP UZ329) | $21 | $0 | $21 | 0.05% |
| MICHAEL D EVANS JR4 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $15 | $0 | $15 | 0.03% |
| SCOTT C OLSEN4 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC (GROUP UZ329) | $14 | $0 | $14 | 0.03% |
| NATHAN BUTLER CORBIN4 | 404 2ND AVE NW MANDAN, ND 58554 | AFLAC (GROUP UZ329) | $13 | $0 | $13 | 0.03% |
| CRAIG WAYNE SOTTILE4 Filed as: CRAIG CIMBURA | 115 SCHOENES DR SW PIERZ, MN 56364 | AFLAC (GROUP UZ329) | $12 | $0 | $12 | 0.03% |
| DACOTAH BANK4 | PO BOX 1210 ABERDEEN, SD 57402 | AFLAC (GROUP UZ329) | $11 | $0 | $11 | 0.02% |
| KEVIN B VINING4 | 24747 HIDDEN VALLEY ROAD HERMOSA, SD 57744 | AFLAC (GROUP UZ329) | $10 | $0 | $10 | 0.02% |
| J THEIS & ASSOCIATES INC3 | 960 S 24TH ST W SUITE H BILLINGS, MT 59102 | AFLAC (GROUP UZ329) | $9 | $0 | $9 | 0.02% |
| JESSICA FRINK4 | 3229 LINK DR BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $8 | $0 | $8 | 0.02% |
| 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% |
| SHAWN D BENSER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ329) | $1 | $0 | $1 | 0.00% |
| DAVID P AESOPH4 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC (GROUP UZ329) | $1 | $0 | $1 | 0.00% |
| SARA KNEIP4 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC (GROUP UZ329) | $1 | $0 | $1 | 0.00% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.78% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.99% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 325 CEDAR STREET SUITE 800 ST PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.99% |
| MELISSA STUART INC4 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $781 | $125 | $906 | 5.37% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ323) | $521 | $0 | $521 | 3.09% |
| KATE PALCZEWSKI INC4 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $429 | $25 | $454 | 2.69% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $363 | $25 | $388 | 2.30% |
| CYNTHIA D WELKEN-PLACE4 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $81 | $0 | $81 | 0.48% |
| MICHAEL D EVANS JR4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $70 | $0 | $70 | 0.42% |
| GARY C KLEIN4 | 5924 BALFOUR CT STE 100 CARLSBAD, CA 92008 | AFLAC (GROUP UZ323) | $30 | $0 | $30 | 0.18% |
| BRADY L WEISENBERGER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ323) | $24 | $0 | $24 | 0.14% |
| JOLYNNE M MACK4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $24 | $0 | $24 | 0.14% |
| BRANDI LARSON4 Filed as: BRANDI BIERI | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP UZ323) | $23 | $0 | $23 | 0.14% |
| CHELSEY N NICHOLS4 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP UZ323) | $21 | $0 | $21 | 0.12% |
| DAKOTA COMMUNITY BANK4 | PO BOX 431 HEBRON, ND 58638 | AFLAC (GROUP UZ323) | $18 | $0 | $18 | 0.11% |
| FIRST DAKOTA INC4 | 5555 W GRANDE MARKET DR APPLETON, ND 54913 | AFLAC (GROUP UZ323) | $14 | $0 | $14 | 0.08% |
| GREG LITZ4 | 10 S 3RD ST GRAND FORKS, ND 58201 | AFLAC (GROUP UZ323) | $14 | $0 | $14 | 0.08% |
| LEANNE R PETERSON4 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ323) | $11 | $0 | $11 | 0.07% |
| JOHN J FREDERICK4 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC (GROUP UZ323) | $9 | $0 | $9 | 0.05% |
| BRENDA K VANBERKOM4 | PO BOX 168 POWERS LAKE, ND 58773 | AFLAC (GROUP UZ323) | $9 | $0 | $9 | 0.05% |
| SHAWN D BENSER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ323) | $8 | $0 | $8 | 0.05% |
| JESSICA FRINK4 | 3229 LINK DR BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $7 | $0 | $7 | 0.04% |
| GREGG WEBSTER4 Filed as: GREGG G WEBSTER | 16751 2ND ST NE HILLSBORO, ND 58045 | AFLAC (GROUP UZ323) | $5 | $0 | $5 | 0.03% |
| MICHAEL D EVANS JR4 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $4 | $0 | $4 | 0.02% |
| SCOTT WEBB4 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC (GROUP UZ323) | $2 | $0 | $2 | 0.01% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $626 | $51 | $677 | 4.43% |
| AMERICAN INSURANCE INC4 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ298) | $407 | $0 | $407 | 2.66% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $253 | $10 | $263 | 1.72% |
| KATE PALCZEWSKI INC4 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $225 | $10 | $235 | 1.54% |
| JULIE BEHRENS AGENCY LLC4 | 1800 E MAIN ST STE C MANDAN, ND 58554 | AFLAC (GROUP UZ298) | $129 | $0 | $129 | 0.84% |
| CYNTHIA D WELKEN-PLACE4 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $126 | $0 | $126 | 0.82% |
| BRANDI LARSON4 Filed as: BRANDI BIERI | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP UZ298) | $56 | $25 | $81 | 0.53% |
| MICHAEL D EVANS JR4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $74 | $0 | $74 | 0.48% |
| CHRISTI M JESKE4 | 101 104TH AVE SW KILLDEER, ND 58640 | AFLAC (GROUP UZ298) | $53 | $0 | $53 | 0.35% |
| ELOISE KLOSE4 | 338 NORTH 31 STREET #6 BISMARCK, ND 58501 | AFLAC (GROUP UZ298) | $53 | $0 | $53 | 0.35% |
| JOHN J FREDERICK4 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC (GROUP UZ298) | $52 | $0 | $52 | 0.34% |
| GENEIL M VEDAA4 | BOX 550 VELVA, ND 58790 | AFLAC (GROUP UZ298) | $28 | $0 | $28 | 0.18% |
| BRENDA K VANBERKOM4 | PO BOX 168 POWERS LAKE, ND 58773 | AFLAC (GROUP UZ298) | $22 | $0 | $22 | 0.14% |
| GARY C KLEIN4 | 5924 BALFOUR CT STE 100 CARLSBAD, CA 92008 | AFLAC (GROUP UZ298) | $20 | $0 | $20 | 0.13% |
| FIRST DAKOTA INC4 | 5555 W GRANDE MARKET DR APPLETON, WI 54913 | AFLAC (GROUP UZ298) | $18 | $0 | $18 | 0.12% |
| BRADY L WEISENBERGER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ298) | $18 | $0 | $18 | 0.12% |
| LEANNE R PETERSON4 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ298) | $13 | $4 | $17 | 0.11% |
| JOLYNNE M MACK4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $17 | $0 | $17 | 0.11% |
| MICHAEL D EVANS JR4 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $9 | $0 | $9 | 0.06% |
| DAVID P AESOPH4 | 1301 SOUTH SUMMIT AVE SIOUX FALLS, SD 57105 | AFLAC (GROUP UZ298) | $4 | $0 | $4 | 0.03% |
| WILLIAM M BARNETT4 | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC (GROUP UZ298) | $2 | $0 | $2 | 0.01% |
| MELISSA STUART INC4 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $235 | $43 | $278 | 6.34% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP E6W83) | $146 | $0 | $146 | 3.33% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $83 | $9 | $92 | 2.10% |
| KATE PALCZEWSKI INC4 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $75 | $9 | $84 | 1.92% |
| CYNTHIA D WELKEN-PLACE4 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $19 | $0 | $19 | 0.43% |
| MICHAEL D EVANS JR4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP E6W83) | $19 | $0 | $19 | 0.43% |
| BRADY L WEISENBERGER4 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP E6W83) | $4 | $0 | $4 | 0.09% |
| JOLYNNE M MACK4 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP E6W83) | $4 | $0 | $4 | 0.09% |
| BRANDI LARSON4 Filed as: BRANDI BIERI | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP E6W83) | $1 | $0 | $1 | 0.02% |
| CHELSEY N NICHOLS4 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP E6W83) | $1 | $0 | $1 | 0.02% |
| LEANNE R PETERSON4 | 603 STEVENSON ST NW BERTHOLD, ND 58716 | AFLAC (GROUP E6W83) | $1 | $0 | $1 | 0.02% |
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 | 473 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 473 | $265K |
| Dental | STANDARD INSURANCE COMPANY | 169 | $140K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 299 | $37K |
| Life insurance | STANDARD INSURANCE COMPANY | 360 | $136K |
| Short-term disability(4 contracts, 4 carriers) | AFLAC (GROUP UZ329) | 66 | $81K |
| Long-term disability | STANDARD INSURANCE COMPANY | 360 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.
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.