| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $19K | — | $19K | 5.21% |
| BRAVERA INSURANCE INC3 | 220 1ST AVE W DICKINSON, ND 58601 | DELTA DENTAL OF MINNESOTA | $19K | — | $19K | 10.01% |
| DIRECT BENEFITS INC3 | 55 E 5TH ST ST PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $9K | — | $9K | 5.01% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| AMERICAN INSURANCE CENTER INC3 | 38 1ST ST W DICKINSON, ND 58601 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MELISSA STUART INC3 | 6700 DEEREWOOD LANE BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $2K | $34 | $2K | 5.85% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $897 | $8 | $905 | 2.12% |
| AMERICAN INSURANCE INC3 | 220 1ST AVE W DICKINSON, ND 58601 | AFLAC (GROUP UZ329) | $760 | — | $760 | 1.78% |
| CSP INSURANCE AGENT INC3 | 2963 HIGHWAY 25 MANDAN, ND 58554 | AFLAC (GROUP UZ329) | $445 | — | $445 | 1.04% |
| LYNN A BROKAW3 | 1406 S RENO DR BISMARCK, ND 58504 | AFLAC (GROUP UZ329) | $259 | $8 | $267 | 0.63% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $111 | — | $111 | 0.26% |
| KARI SCHALIN3 | 1324 CENTRAL AVE W STE 13 GREAT FALLS, MT 59404 | AFLAC (GROUP UZ329) | $105 | — | $105 | 0.25% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $104 | — | $104 | 0.24% |
| MELISSA GRAVES3 Filed as: MELISSA A. GRAVES | 2709 6TH ST NE GREAT FALLS, MT 59404 | AFLAC (GROUP UZ329) | $101 | — | $101 | 0.24% |
| HEIDI BYKONEN3 | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC (GROUP UZ329) | $97 | — | $97 | 0.23% |
| JUDITH W MORTENSEN3 | 326 10TH AVE SW GREAT FALLS, MT 59404 | AFLAC (GROUP UZ329) | $82 | — | $82 | 0.19% |
| SUSAN M KAHN3 | 8625 CUT THROAT DR BILLINGS, MT 59106 | AFLAC (GROUP UZ329) | $68 | — | $68 | 0.16% |
| CARRIE PALCZEWSKI3 | 2963 HIGHWAY 25 MANDAN, ND 58554 | AFLAC (GROUP UZ329) | $55 | — | $55 | 0.13% |
| J KAUFMANN INSURANCE, INC3 Filed as: J KAUFMANN INSURANCE INC | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC (GROUP UZ329) | $51 | — | $51 | 0.12% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $40 | — | $40 | 0.09% |
| BRANDI LARSON3 | 19 MEADOW LN STANLEY, ND 58784 | AFLAC (GROUP UZ329) | $36 | — | $36 | 0.08% |
| YVONNE M CAMPBELL3 | 404 4TH AVE E LEMMON, SD 57638 | AFLAC (GROUP UZ329) | $35 | — | $35 | 0.08% |
| ROBERT JAMES COOK3 Filed as: ROBERT J COOK | 235 2ND AVE SE DUTTON, MT 59433 | AFLAC (GROUP UZ329) | $35 | — | $35 | 0.08% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ329) | $33 | — | $33 | 0.08% |
| DUANE J BINSTOCK | 1601 LEWIS AVE STE 216 BILLINGS, MT 59102 | AFLAC (GROUP UZ329) | $25 | — | $25 | 0.06% |
| GUENOT ENTERPRISES INC3 | 1501 CENTRE ST STE 201 RAPID CITY, SD 57703 | AFLAC (GROUP UZ329) | $24 | — | $24 | 0.06% |
| WOITH INSURANCE AGENCY INC3 | PO BOX 6328 GREAT FALLS, MT 59406 | AFLAC (GROUP UZ329) | $24 | — | $24 | 0.06% |
| CRAIG MICHELSEN3 | 426 TOPAZ DR SANTAQUIN, UT 84655 | AFLAC (GROUP UZ329) | $24 | — | $24 | 0.06% |
| TERRI KRENIK3 | 505 26TH AVE NE GREAT FALLS, MT 59404 | AFLAC (GROUP UZ329) | $23 | — | $23 | 0.05% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ329) | $21 | — | $21 | 0.05% |
| STEPHEN C JONES3 | PO BOX 17284 MISSOULA, MT 59808 | AFLAC (GROUP UZ329) | $21 | — | $21 | 0.05% |
| CHRISTI M JESKE3 | 101 104TH AVE SW KILLDEER, ND 58640 | AFLAC (GROUP UZ329) | $20 | — | $20 | 0.05% |
| EUGENE BUTCH LINSTER3 | 3611 ANGEL WAY RAPID CITY, SD 57703 | AFLAC (GROUP UZ329) | $20 | — | $20 | 0.05% |
| DACOTAH BANK3 | PO BOX 1210 ABERDEEN, SD 57402 | AFLAC (GROUP UZ329) | $20 | — | $20 | 0.05% |
| GREG LITZ3 | 10 S 3RD ST GRAND FORKS, ND 58201 | AFLAC (GROUP UZ329) | $19 | — | $19 | 0.04% |
| JULIE BEHRENS AGENCY LLC3 | 3252 22ND AVE MANDAN, ND 58554 | AFLAC (GROUP UZ329) | $19 | — | $19 | 0.04% |
| J THEIS & ASSOCIATES INC3 | 505 ROUNDHOUSE DR LAUREL, MT 59044 | AFLAC (GROUP UZ329) | $17 | — | $17 | 0.04% |
| SCOTT C OLSEN3 | 4132 CARMEL PT RAPID CITY, SD 57702 | AFLAC (GROUP UZ329) | $13 | — | $13 | 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% |
| GENEIL M VEDAA3 | BOX 550 VELVA, ND 58790 | AFLAC (GROUP UZ329) | $11 | — | $11 | 0.03% |
| CHELSEY N NICHOLS3 Filed as: CHELSEY NICOLE COLLINS | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP UZ329) | $10 | — | $10 | 0.02% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ329) | $9 | — | $9 | 0.02% |
| KEVIN B VINING3 Filed as: KEVIN VINING | 47269 255TH ST RENNER, SD 57055 | AFLAC (GROUP UZ329) | $9 | — | $9 | 0.02% |
| MICHELLE ADELE FREEBURY3 Filed as: MICHELLE A FREEBURY | 427 11TH ST NW MINOT, ND 58703 | AFLAC (GROUP UZ329) | $9 | — | $9 | 0.02% |
| MELISSA J SELZLER3 | 4320 RUMELY RD VELVA, ND 58790 | AFLAC (GROUP UZ329) | $9 | — | $9 | 0.02% |
| CARLA A MCENTIRE3 | 81 8TH ST STE 12 BELGRADE, MT 59714 | AFLAC (GROUP UZ329) | $8 | — | $8 | 0.02% |
| GREGG WEBSTER3 | 16751 2ND ST NE HILLSBORO, ND 58045 | AFLAC (GROUP UZ329) | $7 | — | $7 | 0.02% |
| LISA M HALL3 | 686 W MOGUL LOOP, APT 102 HAYDEN, ID 83835 | AFLAC (GROUP UZ329) | $7 | — | $7 | 0.02% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC (GROUP UZ329) | $2 | — | $2 | 0.00% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC (GROUP UZ329) | $2 | — | $2 | 0.00% |
| JESSICA FRINK3 | 3229 LINK DR BISMARCK, ND 58503 | AFLAC (GROUP UZ329) | $1 | — | $1 | 0.00% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC (GROUP UZ329) | $1 | — | $1 | 0.00% |
| BRAVERA INSURANCE INC3 | 1101 EAST INTERSTATE BISMARCK, ND 58503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 325 CEDAR STREET SUITE 800 ST PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| MELISSA STUART INC3 | 6700 DEEREWOOD LANE BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $530 | $101 | $631 | 4.02% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $401 | $21 | $422 | 2.69% |
| AMERICAN INSURANCE INC3 | 220 1ST AVE W DICKINSON, ND 58601 | AFLAC (GROUP UZ323) | $251 | — | $251 | 1.60% |
| CSP INSURANCE AGENT INC3 | 2963 HIGHWAY 25 MANDAN, ND 58554 | AFLAC (GROUP UZ323) | $186 | — | $186 | 1.19% |
| LYNN A BROKAW3 | 1406 S RENO DR BISMARCK, ND 58504 | AFLAC (GROUP UZ323) | $78 | $21 | $99 | 0.63% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $51 | — | $51 | 0.33% |
| DAKOTA COMMUNITY BANK4 | PO BOX 431 HEBRON, ND 58638 | AFLAC (GROUP UZ323) | $39 | — | $39 | 0.25% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $37 | — | $37 | 0.24% |
| GREGG WEBSTER3 Filed as: GREGG G WEBSTER | 16751 2ND ST NE HILLSBORO, ND 58045 | AFLAC (GROUP UZ323) | $37 | — | $37 | 0.24% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC (GROUP UZ323) | $28 | — | $28 | 0.18% |
| MICKIE DEPAOLIS3 Filed as: MICKIE C DEPAOLIS | 409 OAK RD PORTLAND, ND 58274 | AFLAC (GROUP UZ323) | $27 | — | $27 | 0.17% |
| KIRK MOTL3 Filed as: KIRK A MOTL | 3101 LONGBOW CT GRAND FORKS, ND 58203 | AFLAC (GROUP UZ323) | $20 | — | $20 | 0.13% |
| CHELSEY N NICHOLS3 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP UZ323) | $14 | — | $14 | 0.09% |
| FIRST DAKOTA INC3 | 5555 W GRANDE MARKET DR APPLETON, WI 54913 | AFLAC (GROUP UZ323) | $13 | — | $13 | 0.08% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP UZ323) | $13 | — | $13 | 0.08% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ323) | $12 | — | $12 | 0.08% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $12 | — | $12 | 0.08% |
| PAIGE GOHRICK3 | 8670 75TH LN NW STANLEY, ND 58784 | AFLAC (GROUP UZ323) | $12 | — | $12 | 0.08% |
| MURPHY INSURANCE SERVICES INC3 Filed as: MURPHY INSURANCE AGENCY LLC | 7036 66TH AVE NW DONNYBROOK, ND 58734 | AFLAC (GROUP UZ323) | $11 | — | $11 | 0.07% |
| JAMES D NICHOL3 | 520 WELLINGTON CT WEST FARGO, ND 58078 | AFLAC (GROUP UZ323) | $11 | — | $11 | 0.07% |
| BRANDI LARSON3 | 19 MEADOW LN STANLEY, ND 58784 | AFLAC (GROUP UZ323) | $10 | — | $10 | 0.06% |
| JOHN J FREDERICK3 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC (GROUP UZ323) | $9 | — | $9 | 0.06% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC (GROUP UZ323) | $9 | — | $9 | 0.06% |
| FIRST INTERNATIONAL BANK & TRUST3 | PO BOX 10967 FARGO, ND 58106 | AFLAC (GROUP UZ323) | $9 | — | $9 | 0.06% |
| BRENDA K VANBERKOM3 | PO BOX 168 POWERS LAKE, ND 58773 | AFLAC (GROUP UZ323) | $8 | — | $8 | 0.05% |
| JESSICA FRINK3 | 3229 LINK DR BISMARCK, ND 58503 | AFLAC (GROUP UZ323) | $4 | — | $4 | 0.03% |
| GREG LITZ3 | 10 S 3RD ST GRAND FORKS, ND 58201 | AFLAC (GROUP UZ323) | $4 | — | $4 | 0.03% |
| SCOTT WEBB4 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC (GROUP UZ323) | $2 | — | $2 | 0.01% |
| MARRY A KELLER3 | 1821 TAMMY DR MINOT, ND 58701 | AFLAC (GROUP UZ323) | $1 | — | $1 | 0.01% |
| MELISSA STUART INC3 | 6700 DEEREWOOD LANE BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $202 | $35 | $237 | 2.25% |
| JULIE BEHRENS AGENCY LLC3 | 3252 22ND AVE MANDAN, ND 58554 | AFLAC (GROUP UZ298) | $113 | — | $113 | 1.07% |
| CSP INSURANCE AGENT INC3 | 2963 HIGHWAY 25 MANDAN, ND 58554 | AFLAC (GROUP UZ298) | $111 | — | $111 | 1.05% |
| AMERICAN INSURANCE INC3 | 220 1ST AVE W DICKINSON, ND 58601 | AFLAC (GROUP UZ298) | $106 | — | $106 | 1.00% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $102 | — | $102 | 0.97% |
| KATE PALCZEWSKI INC4 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $68 | $7 | $75 | 0.71% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $51 | — | $51 | 0.48% |
| CHRISTI M JESKE3 | 101 104TH AVE SW KILLDEER, ND 58640 | AFLAC (GROUP UZ298) | $49 | — | $49 | 0.46% |
| ELOISE KLOSE3 | 338 NORTH 31 STREET #6 BISMARCK, ND 58501 | AFLAC (GROUP UZ298) | $49 | — | $49 | 0.46% |
| JOHN J FREDERICK3 | PO BOX 554, 8108 HIGHWAY 14 DAYTON, WY 82836 | AFLAC (GROUP UZ298) | $48 | — | $48 | 0.45% |
| BRANDI LARSON3 | 19 MEADOW LN STANLEY, ND 58784 | AFLAC (GROUP UZ298) | $29 | — | $29 | 0.27% |
| GENEIL M VEDAA3 | BOX 550 VELVA, ND 58790 | AFLAC (GROUP UZ298) | $26 | — | $26 | 0.25% |
| BRENDA K VANBERKOM3 | PO BOX 168 POWERS LAKE, ND 58773 | AFLAC (GROUP UZ298) | $20 | — | $20 | 0.19% |
| GARY C KLEIN4 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC (GROUP UZ298) | $18 | — | $18 | 0.17% |
| FIRST DAKOTA INC3 | 5555 W GRANDE MARKET DR APPLETON, WI 54913 | AFLAC (GROUP UZ298) | $17 | — | $17 | 0.16% |
| LYNN A BROKAW3 | 1406 S RENO DR BISMARCK, ND 58504 | AFLAC (GROUP UZ298) | $9 | $7 | $16 | 0.15% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP UZ298) | $12 | — | $12 | 0.11% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP UZ298) | $11 | — | $11 | 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) | $9 | — | $9 | 0.09% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC (GROUP UZ298) | $3 | — | $3 | 0.03% |
| RICHARD REISENAUER3 | 808 W INTERSTATE AVE BISMARCK, ND 58503 | AFLAC (GROUP UZ298) | $2 | — | $2 | 0.02% |
| WILLIAM M BARNETT3 | 703 NORTH SAGEHORN DRIVE HARTFORD, SD 57033 | AFLAC (GROUP UZ298) | $1 | — | $1 | 0.01% |
| JULIE SMITH AGENCY LLC | 1501 HIGHWAY 83 NE STERLING, ND 58572 | AFLAC (GROUP UZ298) | $1 | — | $1 | 0.01% |
| MELISSA STUART INC3 | 6700 DEEREWOOD LANE BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $718 | $40 | $758 | 9.66% |
| KATE PALCZEWSKI INC3 | 3412 CHISHOLM TRL BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $123 | $9 | $132 | 1.68% |
| LYNN A BROKAW3 | 1406 S RENO DR BISMARCK, ND 58504 | AFLAC (GROUP E6W83) | $72 | $9 | $81 | 1.03% |
| AMERICAN INSURANCE INC3 | 220 1ST AVE W DICKINSON, ND 58601 | AFLAC (GROUP E6W83) | $78 | — | $78 | 0.99% |
| CSP INSURANCE AGENT INC3 | 2963 HIGHWAY 25 MANDAN, ND 58554 | AFLAC (GROUP E6W83) | $69 | — | $69 | 0.88% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARCK, ND 58503 | AFLAC (GROUP E6W83) | $19 | — | $19 | 0.24% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP E6W83) | $19 | — | $19 | 0.24% |
| BRANDI LARSON3 | 19 MEADOW LN STANLEY, ND 58784 | AFLAC (GROUP E6W83) | $19 | — | $19 | 0.24% |
| MELISSA J SELZLER3 | 4320 RUMELY ROD LOT 19 VELVA, ND 58790 | AFLAC (GROUP E6W83) | $17 | — | $17 | 0.22% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC (GROUP E6W83) | $12 | — | $12 | 0.15% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC (GROUP E6W83) | $7 | — | $7 | 0.09% |
| JOLYNNE M MACK3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC (GROUP E6W83) | $7 | — | $7 | 0.09% |
| CHELSEY N NICHOLS3 | PO BOX 1235 MINOT, ND 58702 | AFLAC (GROUP E6W83) | $7 | — | $7 | 0.09% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | AFLAC (GROUP E6W83) | $2 | — | $2 | 0.03% |
| ANDREW C MJONESS3 Filed as: ANDREW MJONESS | 2917 14TH AVE S MOORHEAD, MN 56560 | AFLAC (GROUP E6W83) | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS NONE | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $19K |
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 | 526 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 526 | $371K |
| Dental | DELTA DENTAL OF MINNESOTA | 386 | $185K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 320 | $42K |
| Life insurance | STANDARD INSURANCE COMPANY | 433 | $149K |
| Short-term disability(4 contracts, 4 carriers) | AFLAC (GROUP UZ329) | 42 | $77K |
| Long-term disability | STANDARD INSURANCE COMPANY | 433 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.