| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDDAUGH BENEFITS CONSULTING INC3 | PO BOX 2543 FARGO, ND 58108 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $30K | — | $30K | 10.68% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 325 CEDAR STREET SUITE 800 ST PAUL, MN 55101 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 8.09% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $3K | $114 | $3K | 6.67% |
| AMERICAN INSURANCE INC4 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ329) | $2K | — | $2K | 3.41% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $1K | $23 | $1K | 2.35% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58501 | AFLAC (GROUP UZ329) | $1K | $23 | $1K | 2.31% |
| BRANDI LARSON3 | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP UZ329) | $329 | — | $329 | 0.72% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $215 | — | $215 | 0.47% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $199 | — | $199 | 0.44% |
| MELISSA STUART INC3 Filed as: MELISSA STUART | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $159 | — | $159 | 0.35% |
| KATE PALCZEWSKI INC3 Filed as: KATE PALCZEWSKI | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $124 | — | $124 | 0.27% |
| MELISSA J SELZLER3 Filed as: MELISSA SELZLER | 206 5TH AVE W VELVA, ND 58790 | AFLAC (GROUP UZ329) | $90 | — | $90 | 0.20% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ329) | $83 | — | $83 | 0.18% |
| CARRIE PALCZEWSKI3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $60 | — | $60 | 0.13% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $55 | — | $55 | 0.12% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ329) | $55 | — | $55 | 0.12% |
| YVONNE M CAMPBELL3 | 500 2ND AVE EAST LEMMON, SD 57638 | AFLAC (GROUP UZ329) | $38 | — | $38 | 0.08% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC (GROUP UZ329) | $26 | — | $26 | 0.06% |
| CHRISTI M JESKE3 | 101 104TH AVE SW KILLDEER, ND 58640 | AFLAC (GROUP UZ329) | $25 | — | $25 | 0.05% |
| LYNN A BROKAW3 | 1406 S RENO DR BISMARCK, ND 58504 | AFLAC (GROUP UZ329) | $23 | — | $23 | 0.05% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC (GROUP UZ329) | $23 | — | $23 | 0.05% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY COURT RAPID CITY, SD 57703 | AFLAC (GROUP UZ329) | $21 | — | $21 | 0.05% |
| CHELSEY N NICHOLS3 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP UZ329) | $19 | — | $19 | 0.04% |
| GREG LITZ3 | 10 S 3RD ST GRAND FORKS, ND 58201 | AFLAC (GROUP UZ329) | $19 | — | $19 | 0.04% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC (GROUP UZ329) | $14 | — | $14 | 0.03% |
| GENEIL M VEDAA3 | BOX 550 VELVA, ND 58790 | AFLAC (GROUP UZ329) | $13 | — | $13 | 0.03% |
| NATHAN BUTLER CORBIN3 | 404 2ND AVE NW MANDAN, ND 58554 | AFLAC (GROUP UZ329) | $13 | — | $13 | 0.03% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $12 | — | $12 | 0.03% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG CIMBURA | 115 SCHOENES DR SW PIERZ, MN 56364 | AFLAC (GROUP UZ329) | $12 | — | $12 | 0.03% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ329) | $12 | — | $12 | 0.03% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57402 | AFLAC (GROUP UZ329) | $11 | — | $11 | 0.02% |
| KEVIN B VINING3 Filed as: KEVIN VINING | 24747 HIDDEN VALLEY RD HERMOSA, SD 57744 | AFLAC (GROUP UZ329) | $10 | — | $10 | 0.02% |
| J THEIS & ASSOCIATES INC3 | 960 S 24TH ST W SUITE H BILLINGS, MT 59102 | AFLAC (GROUP UZ329) | $9 | — | $9 | 0.02% |
| JESSICA FRINK3 | 3229 LINK DR BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $8 | — | $8 | 0.02% |
| GREGG WEBSTER3 | 16751 2ND ST NE HILLSBORO, ND 58045 | AFLAC (GROUP UZ329) | $7 | — | $7 | 0.02% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC (GROUP UZ329) | $1 | — | $1 | 0.00% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.88% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 325 CEDAR STREET SUITE 800 ST PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.93% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $504 | $39 | $543 | 4.09% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $281 | $8 | $289 | 2.18% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $261 | $8 | $269 | 2.03% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ323) | $198 | — | $198 | 1.49% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $76 | — | $76 | 0.57% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $54 | — | $54 | 0.41% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC (GROUP UZ323) | $30 | — | $30 | 0.23% |
| BRANDI LARSON3 | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP UZ323) | $23 | — | $23 | 0.17% |
| CHELSEY N NICHOLS3 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP UZ323) | $21 | — | $21 | 0.16% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ323) | $19 | — | $19 | 0.14% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $19 | — | $19 | 0.14% |
| DAKOTA COMMUNITY BANK4 | PO BOX 431 HEBRON, ND 58638 | AFLAC (GROUP UZ323) | $18 | — | $18 | 0.14% |
| FIRST DAKOTA INC3 | 5555 W GRANDE MARKET DR APPLETON, ND 54913 | AFLAC (GROUP UZ323) | $14 | — | $14 | 0.11% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ323) | $11 | — | $11 | 0.08% |
| JOHN J FREDERICK3 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC (GROUP UZ323) | $9 | — | $9 | 0.07% |
| BRENDA K VANBERKOM3 | PO BOX 168 POWERS LAKE, ND 58773 | AFLAC (GROUP UZ323) | $9 | — | $9 | 0.07% |
| JESSICA FRINK3 | 3229 LINK DR BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $5 | — | $5 | 0.04% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $4 | — | $4 | 0.03% |
| SCOTT WEBB4 | 12366 W MILTON DR PEORIA, AZ 85383 | AFLAC (GROUP UZ323) | $2 | — | $2 | 0.02% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $251 | $60 | $311 | 2.36% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $155 | $12 | $167 | 1.26% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ298) | $137 | — | $137 | 1.04% |
| KATE PALCZEWSKI INC4 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $103 | $12 | $115 | 0.87% |
| JULIE BEHRENS AGENCY LLC3 | 1800 E MAIN ST STE C MANDAN, ND 58554 | AFLAC (GROUP UZ298) | $113 | — | $113 | 0.86% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $107 | — | $107 | 0.81% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $57 | — | $57 | 0.43% |
| CHRISTI M JESKE3 | 101 104TH AVE SW KILLDEER, ND 58640 | AFLAC (GROUP UZ298) | $49 | — | $49 | 0.37% |
| ELOISE KLOSE3 | 338 NORTH 31 STREET #6 BISMARCK, ND 58501 | AFLAC (GROUP UZ298) | $49 | — | $49 | 0.37% |
| JOHN J FREDERICK3 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC (GROUP UZ298) | $48 | — | $48 | 0.36% |
| BRANDI LARSON3 | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP UZ298) | $39 | — | $39 | 0.30% |
| RICHARD REISENAUER3 | 418 N 2ND ST BISMARCK, ND 58501 | AFLAC (GROUP UZ298) | $27 | — | $27 | 0.20% |
| GENEIL M VEDAA3 | BOX 550 VELVA, ND 58790 | AFLAC (GROUP UZ298) | $26 | — | $26 | 0.20% |
| BRENDA K VANBERKOM3 | PO BOX 168 POWERS LAKE, ND 58773 | AFLAC (GROUP UZ298) | $20 | — | $20 | 0.15% |
| GARY C KLEIN4 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC (GROUP UZ298) | $18 | — | $18 | 0.14% |
| FIRST DAKOTA INC3 | 5555 W GRANDE MARKET DR APPLETON, WI 54913 | AFLAC (GROUP UZ298) | $17 | — | $17 | 0.13% |
| JULIE SMITH AGENCY LLC3 | 30750 HIGHWAY 10 STERLING, ND 58572 | AFLAC (GROUP UZ298) | $15 | — | $15 | 0.11% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ298) | $14 | — | $14 | 0.11% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $12 | — | $12 | 0.09% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ298) | $9 | — | $9 | 0.07% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $9 | — | $9 | 0.07% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC (GROUP UZ298) | $3 | — | $3 | 0.02% |
| WILLIAM M BARNETT3 | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC (GROUP UZ298) | $1 | — | $1 | 0.01% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $113 | — | $113 | 2.90% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $59 | — | $59 | 1.51% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP E6W83) | $53 | — | $53 | 1.36% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $51 | — | $51 | 1.31% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $18 | — | $18 | 0.46% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP E6W83) | $18 | — | $18 | 0.46% |
| BRANDI LARSON3 | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP E6W83) | $7 | — | $7 | 0.18% |
| CHELSEY N NICHOLS3 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP E6W83) | $7 | — | $7 | 0.18% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP E6W83) | $4 | — | $4 | 0.10% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP E6W83) | $4 | — | $4 | 0.10% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58716 | AFLAC (GROUP E6W83) | $3 | — | $3 | 0.08% |
| DAVID A MIDDAUGH3 Filed as: DAVID MIDDAUGH | PO BOX 2543 FARGO, ND 58108 | AFLAC (GROUP E6W83) | $2 | — | $2 | 0.05% |
| ANDREW C MJONESS3 Filed as: ANDREW MJONESS | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP E6W83) | $1 | — | $1 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS NONE | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $8K |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 476 | $278K |
| Dental | STANDARD INSURANCE COMPANY | 151 | $138K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 282 | $36K |
| Life insurance | STANDARD INSURANCE COMPANY | 358 | $139K |
| Short-term disability(4 contracts, 4 carriers) | AFLAC (GROUP UZ329) | 66 | $76K |
| Long-term disability | STANDARD INSURANCE COMPANY | 358 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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.