| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY SETH DENSON5 | 5213 LAKE CREST DRIVE MCKINNEY, TX 75071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.44% |
| JOE FERNANDEZ3 | 4537 SALERNO CIRCLE PLANO, TX 75093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.66% |
| SHANNON R JEPSEN3 Filed as: SHANNON R. JEPSEN | 31225 451ST AVENUE GAYVILLE, SD 57031 | AFLAC | $385 | — | $385 | 5.17% |
| SHANON M MCGAVER3 Filed as: SHANON M. MCGAVER | 225 S 6TH STREET SUITE 2550 MINNEAPOLIS, MN 55402 | AFLAC | $193 | — | $193 | 2.59% |
| JENNIFER GENANT3 | 407 S 4TH STREET PARKSTON, SD 57366 | AFLAC | $87 | — | $87 | 1.17% |
| JEREMY D FOX3 Filed as: JEREMY D. FOX | 42312 199TH STREET BANCROFT, SD 57353 | AFLAC | $80 | — | $80 | 1.08% |
| ERICA LAVOI3 | 421 MAPLE LANE MOORHEAD, MN 56560 | AFLAC | $76 | — | $76 | 1.02% |
| DEBORAH J LANGENFELD HOOPS3 Filed as: DEBORAH J. LANGENFELD HOOPS | P.O. BOX 462 HURON, SD 57350 | AFLAC | $68 | $6 | $74 | 0.99% |
| AWS INC3 Filed as: AWS, INC. | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $73 | — | $73 | 0.98% |
| JASON MACK3 | 605 2ND STREET NE WATERTOWN, SD 57201 | AFLAC | $73 | — | $73 | 0.98% |
| ASHLEY D WARNER3 Filed as: ASHLEY D. WARNER | 712 2ND STREET SW DE SMET, SD 57231 | AFLAC | $32 | $28 | $60 | 0.81% |
| PEAK INC3 Filed as: PEAK, INC. | P.O BOX 514 1130 S BURR STREET, SUITE 300 MITCHELL, SD 57301 | AFLAC | $48 | $6 | $54 | 0.73% |
| LUCAS BAUMGARTNER3 | 20 LAKE STREET N SUITE 220 FOREST LAKE, MN 55025 | AFLAC | $37 | — | $37 | 0.50% |
| LORI J THOMPSON3 Filed as: LORI J. THOMPSON | 20 LAKE STREET N SUITE 220 FOREST LAKE, MN 55025 | AFLAC | $32 | — | $32 | 0.43% |
| CORY A SMITH3 Filed as: CORY A. SMITH | P.O. BOX 75 MOORHEAD, MN 56561 | AFLAC | $16 | — | $16 | 0.22% |
| NEFZGER ENTERPRISES INC3 Filed as: NEFZGER ENTERPRISES, INC. | 524 W LAKE DRIVE LAKE NORDEN, SD 57248 | AFLAC | $13 | — | $13 | 0.17% |
| TERRY E ANDERSON3 Filed as: TERRY E. ANDERSON | 700 CEDAR STREET SUITE 185 ALEXANDRIA, MN 56308 | AFLAC | $13 | — | $13 | 0.17% |
| MICHAEL D EVANS JR3 Filed as: MICHAEL D. EVANS, JR. | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $11 | — | $11 | 0.15% |
| BRADY L WEISENBERGER3 Filed as: BRADY L. WEISENBERGER | 4840 AMBER VALLEY PKWY S SUITE C FARGO, ND 58104 | AFLAC | $1 | — | $1 | 0.01% |
| JOLYNNE M MACK3 Filed as: JOLYNNE M. MACK | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $150K |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $58K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $58K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $58K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 135 | $383K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.