| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHELSEY N NICHOLS3 Filed as: CHELSEY N COLLINS | PO BOX 1235 MINOT, ND 58702 | AFLAC | $6K | $434 | $6K | 3.67% |
| FRANCINE MARIE DIXON3 | 2900 43RD AVE SE MINOT, ND 58701 | AFLAC | $4K | $375 | $5K | 2.87% |
| PATRICK K RICKERL3 | 3300 S PILLSBERRY AVE SIOUX FALLS, SD 57103 | AFLAC | $3K | — | $3K | 1.92% |
| MAK AGENCY INC3 | 1821 TAMMY DR MINOT, ND 58701 | AFLAC | $2K | $95 | $2K | 1.25% |
| DIXON AGENCY LLC3 | 2900 43RD AVE SE MINOT, ND 58701 | AFLAC | $2K | $32 | $2K | 1.20% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC | $2K | $93 | $2K | 1.10% |
| LORI RAE THOMSEN3 | 214 PARK ST STERLING, ND 58572 | AFLAC | $2K | — | $2K | 1.06% |
| KIMBERLA KAY LUCIER3 | 1409 7TH ST N FARGO, ND 58102 | AFLAC | $2K | — | $2K | 1.05% |
| LOARD AGENCY INC3 | 1520 69TH ST NW MINOT, ND 58703 | AFLAC | $1K | $83 | $1K | 0.66% |
| KELLY STEWART3 | 1304 5TH AVE NW MINOT, ND 58703 | AFLAC | $635 | $115 | $750 | 0.45% |
| BRIAN D DORFF3 | 9194 32ND AVE S GRAND FORKS, ND 58201 | AFLAC | $468 | $42 | $510 | 0.31% |
| MICHELLE ADELE FREEBURY3 | 427 11TH ST NW MINOT, ND 58703 | AFLAC | $471 | — | $471 | 0.29% |
| TRACEY L BURSAU3 | 3309 SEDONA CT SE MINOT, ND 58701 | AFLAC | $365 | $8 | $373 | 0.23% |
| SLOANE MUEHLER3 | 1307 NP AVE N FARGO, ND 58102 | AFLAC | $369 | — | $369 | 0.22% |
| THOMAS J CASSADY3 | 1307 NP AVE N FARGO, ND 58102 | AFLAC | $280 | — | $280 | 0.17% |
| MARY ANN KELLER3 | 1821 TAMMY DR MINOT, ND 58701 | AFLAC | $256 | $10 | $266 | 0.16% |
| LAWRENCE R ZAHRADKA3 | 2750 GATEWAY DR STE D GRAND FORKS, ND 58203 | AFLAC | $189 | — | $189 | 0.11% |
| COLBI ROBIN EADS3 | 3429 15TH ST SE MINOT, ND 58701 | AFLAC | $116 | — | $116 | 0.07% |
| CASSANDRA LOARD3 | 1520 69TH ST NW MINOT, ND 58703 | AFLAC | $97 | $10 | $107 | 0.06% |
| GREG LITZ3 | 3722 SIMONVIEW CT GRAND FORKS, ND 58201 | AFLAC | $89 | — | $89 | 0.05% |
| GENEIL M VEDAA3 | PO BOX 550 VELVA, ND 58790 | AFLAC | $88 | — | $88 | 0.05% |
| EVENSON INSURANCE AGENCY INC3 | 1316 20TH AVE SW MINOT, ND 58701 | AFLAC | $65 | — | $65 | 0.04% |
| JARCEY RAUL RODRIGUEZ3 | 202 S 1ST AVE STE 108 YUMA, AZ 85364 | AFLAC | $63 | — | $63 | 0.04% |
| DIANA L GITZ3 | 1982 PROTECTION PT FLEMING ISLAND, FL 32003 | AFLAC | $58 | — | $58 | 0.04% |
| SARAH L THORSON3 | 1821 65TH ST NW MINOT, ND 58703 | AFLAC | $56 | — | $56 | 0.03% |
| TIA TEN NAPEL3 | 1600 CENTRAL AVE SE LE MARS, IA 51031 | AFLAC | $55 | — | $55 | 0.03% |
| CYNTHIA D WELKEN-PLACE3 | 5335 S RANGER TRL GILBERT, AZ 85298 | AFLAC | $51 | — | $51 | 0.03% |
| KIRK MOTL3 Filed as: KIRK A MOTL | 3101 LONGBOW CT GRAND FORKS, ND 58203 | AFLAC | $31 | $12 | $43 | 0.03% |
| ZACK PLOTZKER3 | 1312 OZONE AVE SANTA MONICA, CA 90405 | AFLAC | $41 | — | $41 | 0.02% |
| KIANNA LEE KRAFT3 | 2130 12TH ST APT 214 BISMARCK, ND 58504 | AFLAC | $38 | — | $38 | 0.02% |
| MEGAN J KLASI3 | 104 COTTS DR NORTH SIOUX CITY, SD 57049 | AFLAC | $36 | — | $36 | 0.02% |
| KIMBERLY J WELSTAD3 | 1513 COOK DR MINOT, ND 58701 | AFLAC | $28 | — | $28 | 0.02% |
| DARREN J FERNER3 | 301 BOBWHITE CIR DAKOTA DUNES, SD 57049 | AFLAC | $19 | — | $19 | 0.01% |
| SASHA CAMPBELL3 Filed as: SASHA L CAMPBELL | 2731 12TH AVE S STE B FARGO, ND 58103 | AFLAC | $17 | — | $17 | 0.01% |
| NATHAN BUTLER CORBIN3 | 404 2ND AVE NW MANDAN, ND 58554 | AFLAC | $16 | — | $16 | 0.01% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | AFLAC | $16 | — | $16 | 0.01% |
| ELLIE PAPINEAU LLC3 Filed as: ELLIE PAPINEAU | 536 ELKS DR DICKINSON, ND 58601 | AFLAC | $15 | — | $15 | 0.01% |
| MORETON & COMPANY3 Filed as: JASON THOMAS MORTON | 3960 SWEETSPIRE DR LEXINGTON, KY 40514 | AFLAC | $13 | — | $13 | 0.01% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $13 | — | $13 | 0.01% |
| GEORGE E ARBID3 | 25728 LEWIS WAY STEVENSON RANCH, CA 91381 | AFLAC | $13 | — | $13 | 0.01% |
| WHITNEY L MILLWOOD3 | 3654 OGLEBAY DR GREEN COVE SPRINGS, FL 32043 | AFLAC | $13 | — | $13 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $5 | — | $5 | 0.00% |
| NICOLLE LYNN BINSTOCK3 | 116 KEIDEL TRL SW MANDAN, ND 58554 | AFLAC | $2 | $3 | $5 | 0.00% |
| AMANDA GERHARDT3 | 2050 COUNTY ROAD 138A MANDAN, ND 58554 | AFLAC | $2 | $3 | $5 | 0.00% |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PKWY S STE C FARGO, ND 58104 | AFLAC | $3 | — | $3 | 0.00% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J TOMLINSON | 40 PARADISE DR WATERTOWN, SD 57201 | AFLAC | $2 | — | $2 | 0.00% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 146 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.