| 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 | $36K | — | $36K | 10.89% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 14.83% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.95% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 7.43% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $621 | — | $621 | 0.48% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $3K | $240 | $3K | 6.08% |
| AMERICAN INSURANCE INC4 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ329) | $2K | — | $2K | 3.53% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $1K | $48 | $1K | 2.46% |
| CSP INSURANCE AGENT INC3 | 2963 HIGHWAY 25 MANDAN, ND 58554 | AFLAC (GROUP UZ329) | $691 | $20 | $711 | 1.54% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58501 | AFLAC (GROUP UZ329) | $234 | $28 | $262 | 0.57% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $188 | — | $188 | 0.41% |
| BRANDI LARSON3 | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP UZ329) | $137 | $50 | $187 | 0.41% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $175 | — | $175 | 0.38% |
| MELISSA STUART INC3 Filed as: MELISSA STUART | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $159 | — | $159 | 0.34% |
| KARI SCHALIN3 | 3301 WELLS FARGO DR GREAT FALLS, MT 59404 | AFLAC (GROUP UZ329) | $103 | $44 | $147 | 0.32% |
| KATE PALCZEWSKI INC3 Filed as: KATE PALCZEWSKI | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $124 | — | $124 | 0.27% |
| CHRISTI M JESKE3 | 101 104TH AVE SW KILLDEER, ND 58640 | AFLAC (GROUP UZ329) | $75 | — | $75 | 0.16% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ329) | $43 | $10 | $53 | 0.11% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $49 | — | $49 | 0.11% |
| MELISSA J SELZLER3 Filed as: MELISSA SELZLER | 206 5TH AVE W VELVA, ND 58790 | AFLAC (GROUP UZ329) | $38 | $10 | $48 | 0.10% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ329) | $47 | — | $47 | 0.10% |
| CARRIE PALCZEWSKI3 | 2963 HIGHWAY 25 MANDAN, ND 58554 | AFLAC (GROUP UZ329) | $45 | — | $45 | 0.10% |
| GENEIL M VEDAA3 | BOX 550 VELVA, ND 58790 | AFLAC (GROUP UZ329) | $40 | — | $40 | 0.09% |
| ROBERTA LOUSIE HOPWOOD3 | PO BOX 44 FAIRFIELD, MT 59436 | AFLAC (GROUP UZ329) | $25 | $14 | $39 | 0.08% |
| LYNN A BROKAW3 | 1406 S RENO DR BISMARCK, ND 58504 | AFLAC (GROUP UZ329) | $31 | — | $31 | 0.07% |
| YVONNE M CAMPBELL3 | 500 2ND AVE EAST LEMMON, SD 57638 | AFLAC (GROUP UZ329) | $26 | — | $26 | 0.06% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC (GROUP UZ329) | $26 | — | $26 | 0.06% |
| CARLA A MCENTIRE3 | 81 8TH ST STE 12 BELGRADE, MT 59714 | AFLAC (GROUP UZ329) | $15 | $10 | $25 | 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% |
| GREG LITZ3 | 10 S 3RD ST GRAND FORKS, ND 58201 | AFLAC (GROUP UZ329) | $21 | — | $21 | 0.05% |
| MELISSA GRAVES3 | 220 6TH ST S GREAT FALLS, MT 59405 | AFLAC (GROUP UZ329) | $19 | — | $19 | 0.04% |
| JUDITH W MORTENSEN3 | 326 10TH AVE SW GREAT FALLS, MT 59404 | AFLAC (GROUP UZ329) | $15 | — | $15 | 0.03% |
| CARRIE PALCZEWSKI3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $15 | — | $15 | 0.03% |
| CHELSEY N NICHOLS3 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP UZ329) | $14 | — | $14 | 0.03% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC (GROUP UZ329) | $14 | — | $14 | 0.03% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ329) | $13 | — | $13 | 0.03% |
| YVONNE M CAMPBELL3 | 404 4TH AVE E LEMMON, SD 57638 | AFLAC (GROUP UZ329) | $13 | — | $13 | 0.03% |
| MICHELLE ADELE FREEBURY3 Filed as: MICHELLE A FREEBURY | 427 11TH ST NW MINOT, ND 58703 | 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% |
| 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 | 1825 DUVAL DR LAUREL, MT 59044 | 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) | $8 | — | $8 | 0.02% |
| NATHAN BUTLER CORBIN3 | 404 2ND AVE NW MANDAN, ND 58554 | AFLAC (GROUP UZ329) | $7 | — | $7 | 0.02% |
| ROBERT JAMES COOK3 Filed as: ROBERT J COOK | 235 2ND AVE SE DUTTON, MT 59433 | AFLAC (GROUP UZ329) | $7 | — | $7 | 0.02% |
| SCOTT HOENSTINE3 | 1716 N 1ST ST STE B HAMILTON, MT 59840 | AFLAC (GROUP UZ329) | $5 | — | $5 | 0.01% |
| WOITH INSURANCE AGENCY INC3 | 1725 41ST ST S GREAT FALLS, MT 59405 | AFLAC (GROUP UZ329) | $5 | — | $5 | 0.01% |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC (GROUP UZ329) | $5 | — | $5 | 0.01% |
| TERRI KRENIK3 | 505 26TH AVE NE GREAT FALLS, MT 59404 | AFLAC (GROUP UZ329) | $4 | — | $4 | 0.01% |
| ANDREW G THEIS3 | 2685 PALMER ST STE E MISSOULA, MT 59808 | AFLAC (GROUP UZ329) | $2 | — | $2 | 0.00% |
| FLIKKEMA INSURANCE INC3 | 7175 CHURCHILL RD MANHATTAN, MT 59741 | AFLAC (GROUP UZ329) | $2 | — | $2 | 0.00% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC (GROUP UZ329) | $2 | — | $2 | 0.00% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC (GROUP UZ329) | $1 | — | $1 | 0.00% |
| SARA KNEIP3 | 1218 6TH ST BROOKINGS, SD 57006 | AFLAC (GROUP UZ329) | $1 | — | $1 | 0.00% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 14.84% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $378 | — | $378 | 0.94% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.12% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 325 CEDAR STREET SUITE 800 ST PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.07% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $819 | $19 | $838 | 6.23% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ323) | $545 | — | $545 | 4.05% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $414 | $4 | $418 | 3.11% |
| CSP INSURANCE AGENT INC3 | 2963 HIGHWAY 25 MANDAN, ND 58554 | AFLAC (GROUP UZ323) | $259 | — | $259 | 1.93% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $81 | $4 | $85 | 0.63% |
| 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 | 0.40% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC (GROUP UZ323) | $30 | — | $30 | 0.22% |
| 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% |
| DAKOTA COMMUNITY BANK4 | PO BOX 431 HEBRON, ND 58638 | AFLAC (GROUP UZ323) | $18 | — | $18 | 0.13% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ323) | $18 | — | $18 | 0.13% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $18 | — | $18 | 0.13% |
| FIRST DAKOTA INC3 | 5555 W GRANDE MARKET DR APPLETON, WI 54913 | AFLAC (GROUP UZ323) | $14 | — | $14 | 0.10% |
| 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% |
| LYNN A BROKAW3 | 1406 S RENO DR BISMARCK, ND 58504 | 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 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC (GROUP UZ323) | $2 | — | $2 | 0.01% |
| MELISSA STUART INC3 | 4122 OVERLAND ROAD BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $265 | — | $265 | 2.73% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP UZ298) | $171 | — | $171 | 1.76% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $95 | — | $95 | 0.98% |
| CSP INSURANCE AGENT INC3 | 2963 HIGHWAY 25 MANDAN, ND 58554 | AFLAC (GROUP UZ298) | $93 | — | $93 | 0.96% |
| KATE PALCZEWSKI INC4 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $84 | — | $84 | 0.87% |
| JULIE BEHRENS AGENCY LLC3 | 1800 E MAIN ST STE C MANDAN, ND 58554 | AFLAC (GROUP UZ298) | $66 | — | $66 | 0.68% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $49 | — | $49 | 0.50% |
| CHRISTI M JESKE3 | 101 104TH AVE SW KILLDEER, ND 58640 | AFLAC (GROUP UZ298) | $45 | — | $45 | 0.46% |
| ELOISE KLOSE3 | 338 NORTH 31 STREET #6 BISMARCK, ND 58501 | AFLAC (GROUP UZ298) | $45 | — | $45 | 0.46% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $44 | — | $44 | 0.45% |
| JOHN J FREDERICK3 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC (GROUP UZ298) | $44 | — | $44 | 0.45% |
| JULIE BEHRENS AGENCY LLC3 | 3252 22ND AVE MANDAN, ND 58554 | AFLAC (GROUP UZ298) | $38 | — | $38 | 0.39% |
| BRANDI LARSON3 | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP UZ298) | $36 | — | $36 | 0.37% |
| GENEIL M VEDAA3 | BOX 550 VELVA, ND 58790 | AFLAC (GROUP UZ298) | $24 | — | $24 | 0.25% |
| RICHARD REISENAUER3 | 418 N 2ND ST BISMARCK, ND 58501 | AFLAC (GROUP UZ298) | $20 | — | $20 | 0.21% |
| BRENDA K VANBERKOM3 | PO BOX 168 POWERS LAKE, ND 58773 | AFLAC (GROUP UZ298) | $18 | — | $18 | 0.19% |
| GARY C KLEIN4 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC (GROUP UZ298) | $17 | — | $17 | 0.18% |
| FIRST DAKOTA INC3 | 5555 W GRANDE MARKET DR APPLETON, WI 54913 | AFLAC (GROUP UZ298) | $16 | — | $16 | 0.16% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ298) | $12 | — | $12 | 0.12% |
| JULIE SMITH AGENCY LLC3 | 30750 HIGHWAY 10 STERLING, ND 58572 | AFLAC (GROUP UZ298) | $11 | — | $11 | 0.11% |
| RICHARD REISENAUER3 | 808 W INTERSTATE AVE BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $11 | — | $11 | 0.11% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $10 | — | $10 | 0.10% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ298) | $9 | — | $9 | 0.09% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $8 | — | $8 | 0.08% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC (GROUP UZ298) | $3 | — | $3 | 0.03% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC (GROUP UZ298) | $3 | — | $3 | 0.03% |
| 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) | $351 | — | $351 | 5.42% |
| AMERICAN INSURANCE INC3 | 38 1ST ST W DICKINSON, ND 58601 | AFLAC (GROUP E6W83) | $210 | — | $210 | 3.24% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $132 | — | $132 | 2.04% |
| CSP INSURANCE AGENT INC3 | 2963 HIGHWAY 25 MANDAN, ND 58601 | AFLAC (GROUP E6W83) | $81 | — | $81 | 1.25% |
| CSP INSURANCE AGENT INC3 | 4207 BOULDER RIDGE ROAD STE 140 BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $37 | — | $37 | 0.57% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP E6W83) | $20 | — | $20 | 0.31% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $19 | — | $19 | 0.29% |
| BRANDI LARSON3 | PO BOX 578 STANLEY, ND 58784 | AFLAC (GROUP E6W83) | $8 | — | $8 | 0.12% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP E6W83) | $7 | — | $7 | 0.11% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP E6W83) | $7 | — | $7 | 0.11% |
| CHELSEY N NICHOLS3 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP E6W83) | $7 | — | $7 | 0.11% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58716 | AFLAC (GROUP E6W83) | $3 | — | $3 | 0.05% |
| DAVID A MIDDAUGH3 Filed as: DAVID MIDDAUGH | PO BOX 2543 FARGO, ND 58108 | AFLAC (GROUP E6W83) | $2 | — | $2 | 0.03% |
| ANDREW C MJONESS3 Filed as: ANDREW MJONESS | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP E6W83) | $1 | — | $1 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS NONE | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $13K |
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 | 494 | 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) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 494 | $334K |
| Dental | STANDARD INSURANCE COMPANY | 150 | $130K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 273 | $35K |
| Life insurance | STANDARD INSURANCE COMPANY | 375 | $133K |
| Short-term disability(4 contracts, 4 carriers) | AFLAC (GROUP UZ329) | 73 | $76K |
| Long-term disability | STANDARD INSURANCE COMPANY | 377 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.