| 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 | $155 | $6K | 3.59% |
| FRANCINE MARIE DIXON3 | 2900 43RD AVE SE MINOT, ND 58701 | AFLAC | $6K | $134 | $6K | 3.53% |
| MAK AGENCY INC3 | 1821 TAMMY DR MINOT, ND 58701 | AFLAC | $3K | $59 | $3K | 1.92% |
| BRIAN D DORFF3 | 9194 32ND AVE S GRAND FORKS, ND 58201 | AFLAC | $3K | $133 | $3K | 1.62% |
| LEANNE R PETERSON3 | 603 STEVENSON ST NW BERTHOLD, ND 58718 | AFLAC | $3K | $73 | $3K | 1.61% |
| PATRICK K RICKERL3 | 3300 S PILLSBERRY AVE SIOUX FALLS, SD 57103 | AFLAC | $3K | — | $3K | 1.54% |
| LAWRENCE R ZAHRADKA3 | 2750 GATEWAY DR STE D GRAND FORKS, ND 58203 | AFLAC | $728 | $31 | $759 | 0.43% |
| MICHELLE ADELE FREEBURY4 | 427 11TH ST NW MINOT, ND 58703 | AFLAC | $663 | — | $663 | 0.37% |
| COLBI ROBIN EADS3 | 3429 15TH ST SE MINOT, ND 58701 | AFLAC | $466 | $44 | $510 | 0.29% |
| THOMAS J CASSADY3 | 2731 12TH AVE S STE B FARGO, ND 58103 | AFLAC | $443 | $31 | $474 | 0.27% |
| KELLY STEWART3 | 1304 5TH AVE NW MINOT, ND 58703 | AFLAC | $378 | — | $378 | 0.21% |
| MEGAN J KLASI3 | 104 COTTS DR NORTH SIOUX CITY, SD 57049 | AFLAC | $275 | — | $275 | 0.15% |
| MARY ANN KELLER3 | 1821 TAMMY DR MINOT, ND 58701 | AFLAC | $261 | $8 | $269 | 0.15% |
| GREG LITZ3 | 3722 SIMONVIEW CT GRAND FORKS, ND 58201 | AFLAC | $161 | — | $161 | 0.09% |
| SASHA CAMPBELL3 Filed as: SASHA L CAMPBELL | 2731 12TH AVE S STE B FARGO, ND 58103 | AFLAC | $155 | — | $155 | 0.09% |
| TIA TEN NAPEL3 | 1600 CENTRAL AVE SE LE MARS, IA 51031 | AFLAC | $147 | — | $147 | 0.08% |
| EVENSON INSURANCE AGENCY INC3 | 1316 20TH AVE SW MINOT, ND 58701 | AFLAC | $95 | — | $95 | 0.05% |
| GENEIL M VEDAA3 | PO BOX 550 VELVA, ND 58790 | AFLAC | $88 | — | $88 | 0.05% |
| JARCEY RAUL RODRIGUEZ3 | 202 S 1ST AVE STE 108 YUMA, AZ 85364 | AFLAC | $81 | — | $81 | 0.05% |
| DIANA L GITZ3 | 1318 PORTSIDE DR FLEMING ISLAND, FL 32003 | AFLAC | $73 | — | $73 | 0.04% |
| DARREN J FERNER3 | 301 BOBWHITE CIR DAKOTA DUNES, SD 57049 | AFLAC | $67 | — | $67 | 0.04% |
| CYNTHIA D WELKEN-PLACE3 | 5335 S RANGER TRL GILBERT, AZ 85298 | AFLAC | $52 | — | $52 | 0.03% |
| LOARD AGENCY INC3 | 1520 69TH ST NW MINOT, ND 58703 | AFLAC | $43 | — | $43 | 0.02% |
| ZACK PLOTZKER3 | 1312 OZONE AVE SANTA MONICA, CA 90405 | AFLAC | $41 | — | $41 | 0.02% |
| MCKENZIE KAY RUDOLPH3 | 2845 1ST AVE SW MINOT, ND 58701 | AFLAC | $31 | — | $31 | 0.02% |
| SARAH L THORSON3 | 1821 65TH ST NW MINOT, ND 58703 | AFLAC | $29 | — | $29 | 0.02% |
| KIMBERLY J WELSTAD3 | 1513 COOK DR MINOT, ND 58701 | AFLAC | $24 | — | $24 | 0.01% |
| NATHAN BUTLER CORBIN3 | 404 2ND AVE NW MANDAN, ND 58554 | AFLAC | $17 | — | $17 | 0.01% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, ND 57201 | AFLAC | $17 | — | $17 | 0.01% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $16 | — | $16 | 0.01% |
| WHITNEY L MILLWOOD3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | AFLAC | $16 | — | $16 | 0.01% |
| ELLI PAPINEAU LLC3 | 536 ELKS DR DICKINSON, ND 58601 | AFLAC | $16 | — | $16 | 0.01% |
| MORETON & COMPANY3 Filed as: JASON THOMAS MORTON | 3960 SWEETSPIRE DR LEXINGTON, KY 40514 | AFLAC | $13 | — | $13 | 0.01% |
| GEORGE E ARBID3 | 25728 LEWIS WAY STEVENSON RANCH, CA 91381 | AFLAC | $13 | — | $13 | 0.01% |
| DAVID P AESOPH3 | 2700 W NICOLE DR SIOUX FALLS, SD 57105 | AFLAC | $6 | — | $6 | 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% |
| CASSANDRA LOARD3 | 1520 69TH ST NW MINOT, ND 58703 | AFLAC | $1 | — | $1 | 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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 169 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.