| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EE DORSETT ASSOCIATES3 Filed as: EE DORSETT & ASSOCIATES | — | SANFORD HEALTH PLAN | $35K | — | $35K | 3.99% |
| CONSOLIDATED BENEFITS & INSURANCE S3 | 745 31ST AVENUE EAST SUITE 100 WEST FARGO, ND 58078 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| LAWRENCE R ZAHRADKA3 | 10 SOUTH 3RD STREET GRAND FORKS, ND 58201 | AFLAC | $2K | $77 | $2K | 8.73% |
| BRIAN D DORFF3 | 9194 32ND AVENUE SOUTH GRAND FORKS, ND 58201 | AFLAC | $2K | — | $2K | 7.83% |
| GREG LITZ3 | 10 SOUTH 3RD STREET GRAND FORKS, ND 58201 | AFLAC | $520 | $15 | $535 | 2.14% |
| KAYLA ANN SCHAD3 | 3513 HALL STREET RAPID CITY, SD 57702 | AFLAC | $486 | $6 | $492 | 1.97% |
| MARY ANN KELLER3 | 1821 TAMMY DRIVE MINOT, ND 58701 | AFLAC | $103 | — | $103 | 0.41% |
| LYNN A BROKAW3 | 1406 SOUTH RENO DRIVE BISMARCK, NC 58504 | AFLAC | $88 | $8 | $96 | 0.38% |
| NADINE THERESA POLLMAN3 | 1306 SUMMIT CIRCLE BROOKINGS, SD 57006 | AFLAC | $61 | $33 | $94 | 0.38% |
| JOHN CAMERON TAYLOR & OTHER AGENTS3 Filed as: JOHN CAMERON TAYLOR | 923 SHERWOOD PLACE EUGENE, OR 97401 | AFLAC | $76 | — | $76 | 0.30% |
| SHARI HANSON3 Filed as: SHARI L HANSON | 2375 5TH AVENUE NORTHEAST NORTHWOOD, ND 58267 | AFLAC | $70 | — | $70 | 0.28% |
| AMBER MARIE LIND3 | 3409 WEST MAIN STREET RAPID CITY, SD 57702 | AFLAC | $64 | $2 | $66 | 0.26% |
| CATHY J OLIVER3 | 14795 BOISE CIRCLE ROSEMOUNT, MN 55068 | AFLAC | $43 | $16 | $59 | 0.24% |
| JOSH DEAN DAVIS3 | 2655 SOUTH 34TH STREET APARTMENT 313 GRAND FORKS, ND 58201 | AFLAC | $54 | — | $54 | 0.22% |
| LOARD AGENCY INC3 | 1520 69TH STREET NORTHWEST MINOT, ND 58703 | AFLAC | $51 | — | $51 | 0.20% |
| LEANNE R PETERSON3 | 603 STEVENSON STREET NORTHWEST BERTHOLD, ND 58718 | AFLAC | $47 | — | $47 | 0.19% |
| VICKI A KLAASSEN3 | 33627 DOLAN AVENUE ADRIAN, MN 56110 | AFLAC | $46 | — | $46 | 0.18% |
| SHERRY M ADAMS3 | 7227 WEST LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $44 | — | $44 | 0.18% |
| KAYLA ANN SCHAD3 | 4802 EDGEWOOD DRIVE RAPID CITY, SD 57702 | AFLAC | $41 | — | $41 | 0.16% |
| JADE COMPANIES LLC3 | 518 MAIN AVENUE BOOKINGS, SD 57006 | AFLAC | $32 | $7 | $39 | 0.16% |
| RENAE SALLQUIST KNOPF3 | 1716 WEST GRAND ARBOR CIRCLE SIOUX FALLS, SD 57108 | AFLAC | $33 | — | $33 | 0.13% |
| JUDY INGVALSON3 Filed as: JUDY J INGVALSON | 15166 13TH STREET NORTHEAST MAYVILLE, ND 58257 | AFLAC | $28 | — | $28 | 0.11% |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PARKWAY SOUTH SUITE C FARGO, NC 58104 | AFLAC | $26 | — | $26 | 0.10% |
| SASHA CAMPBELL3 | 2731 12TH AVENUE SOUTH SUITE B FARGO, ND 58103 | AFLAC | $26 | — | $26 | 0.10% |
| TRACY L HOSTLER3 | 3922 SOUTH WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $19 | $7 | $26 | 0.10% |
| THOMAS J CASSADY3 | 2731 12TH AVENUE SOUTH SUITE B FARGO, ND 58103 | AFLAC | $24 | — | $24 | 0.10% |
| DAVID P AESOPH3 | 2700 WEST NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $24 | — | $24 | 0.10% |
| MICHAEL D EVANS JR3 | 113 5TH STREET SOUTHEAST WATERTOWN, SD 57201 | AFLAC | $22 | — | $22 | 0.09% |
| SHELBY J BARSTAD3 | PO BOX 345 VELVA, ND 58790 | AFLAC | $22 | — | $22 | 0.09% |
| SASHA CAMPBELL3 | 5685 43RD STREET SOUTH FARGO, ND 58104 | AFLAC | $22 | — | $22 | 0.09% |
| BRANDON RHODES3 | 11445 ANDERSON LAKES PARKWAY APARTMENT 204 EDEN PRAIRIE, MN 55344 | AFLAC | $18 | $3 | $21 | 0.08% |
| ERIN RENAE SUND3 | 2905 CRESCENT DRIVE MINOT, ND 58703 | AFLAC | $19 | — | $19 | 0.08% |
| SHELLY LUCKEN3 | 8233 WEST 133RD PLACE SAVAGE, MN 55378 | AFLAC | $17 | — | $17 | 0.07% |
| CSP INSURANCE AGENT INC3 | 2963 HIGHWAY 25 MANDAN, ND 58554 | AFLAC | $16 | $1 | $17 | 0.07% |
| JEREMY L TOMLINSON3 | 6305 WEST RUSSETT STREET BOISE, ID 83704 | AFLAC | $15 | — | $15 | 0.06% |
| JAMES S SARANTIS3 | 14132 SOUTHEAST FIRCREST COURT PORTLAND, OR 97236 | AFLAC | $12 | — | $12 | 0.05% |
| KIRK MOTL3 Filed as: KIRK A MOTL | 3101 LONGBOW COURT GRAND FORKS, NC 58203 | AFLAC | $12 | — | $12 | 0.05% |
| DOUGLAS HASLIP3 | 7227 WEST LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $11 | — | $11 | 0.04% |
| MATTHEW R LORENZ3 | 1021 PROSPECT POINTE ROAD JORDAN, MN 55352 | AFLAC | $9 | — | $9 | 0.04% |
| MICHAEL K PORTER3 | 4746 CANAL DRIVE LAKE WORTH, FL 33463 | AFLAC | $6 | $3 | $9 | 0.04% |
| MELISSA J SELZLER3 | 4320 RUMELY ROAD LOT 19 VELVA, ND 58790 | AFLAC | $6 | — | $6 | 0.02% |
| MCKENZIE KAY RUDOLPH3 | 224 8TH AVENUE SOUTHEAST MINOT, ND 58701 | AFLAC | $5 | — | $5 | 0.02% |
| JOLYNNE M MACK3 | 113 5TH STREET SOUTHEAST WATERTOWN, SD 57201 | AFLAC | $5 | — | $5 | 0.02% |
| DARIN D PAVLISH3 | 8312 152ND PLACE SAVAGE, MN 55378 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL K PORTER3 | 5881 TOWN BAY DRIVE APARTMENT 916 BOCA RATON, FL 33486 | AFLAC | $4 | — | $4 | 0.02% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PARKWAY SOUTH SUITE C FARGO, ND 58104 | AFLAC | $3 | — | $3 | 0.01% |
| CHELSEY N NICHOLS3 | PO BOX 1235 MINOT, ND 58702 | AFLAC | $3 | — | $3 | 0.01% |
| G SCOTT COOKE3 Filed as: SCOTT E NIELSEN | 718B WEST FOURTH PLAIN BOULEVARD VANCOUVER, WA 98660 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN PAUL THOMPSON SR3 | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $2 | — | $2 | 0.01% |
| JEFFREY M HANSEN3 | 1895 52ND STREET SOUTHWEST PEQUOT LAKES, MN 56472 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVENUE SOUTH SUITE 425 MINNEAPOLIS, MA 55439 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN E DICKSON3 | 8905 SOUTHWEST NIMBUS AVENUE 375 BEAVERTON, OR 97008 | AFLAC | $1 | — | $1 | 0.00% |
| KIMBERLY A PARKS3 | 19818 NORTH 147TH DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC DANIEL WEILAND3 | 14511 SOUTHWEST CORNERSTONE LANE SHERWOOD, OR 97140 | AFLAC | $1 | — | $1 | 0.00% |
| ROBIN D HUDSON3 | 22100 NORTHEAST HALSEY STREET APARTMENT 354 FAIRVIEW, OR 97024 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD R ASCHE3 | 1521 24TH AVENUE SOUTH BUILDING A GRAND FORKS, ND 58201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $795 | $795 | 5.00% |
| RICHARD R ASCHE3 | 1521 24TH AVENUE SOUTH BUILDING A GRAND FORKS, ND 58201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANNHASSEN, MN 55317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $792 | $792 | 5.00% |
| RICHARD R ASCHE3 | 1521 24TH AVENUE SOUTH BUILDING A GRAND FORKS, ND 58201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $683 | $683 | 5.00% |
| LONGTIN AGENCY, INC.3 | 202 SOUTH MAIN STREET CROOKSTON, MN 56716 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| RICHARD R ASCHE3 | 1521 24TH AVENUE SOUTH BUILDING A GRAND FORKS, ND 58201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $398 | — | $398 | 14.98% |
| BENEUSA LLC3 | 1851 LAKE DRIVE WEST SUITE 350 CHANHASSEN, MN 55317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $133 | $133 | 5.01% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 216 | $865K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 215 | $66K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 65 | $13K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 130 | $41K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 36 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $16K |
| Other(3 contracts, 2 carriers) | AFLAC | 130 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.