| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GDP ADVISORS LLC3 Filed as: GDP ADVISORS | 2150 S. CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 16.01% |
| GREGORY SETH DENSON5 | 4311 GLACIER POINT COURT PROSPER, TX 75078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.43% |
| JDS BENEFITS, LLC3 Filed as: JDS BENEFITS LLC | 2150 SOUTH CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $456 | — | $456 | 0.36% |
| SHANON M MCGAVER3 Filed as: SHANON MCGAVER | P.O. BOX 154 ELK RIVER, MN 55330 | AFLAC | $484 | $15 | $499 | 1.26% |
| SHANNON R JEPSEN3 Filed as: SHANNON JEPSEN | 124 WALNUT STREET YANKTON, SD 57078 | AFLAC | $389 | $17 | $406 | 1.03% |
| ROGER MCCOY3 | P.O. BOX 6 GNADDENHUTTEN, OH 44629 | AFLAC | $354 | — | $354 | 0.89% |
| MARY JO ESPINOZA3 | 4804 HORIZON LOOP CHEYENNE, WV 82009 | AFLAC | $169 | — | $169 | 0.43% |
| LUCAS BAUMGARTNER3 | 20 LAKE STREET N FOREST LAKE, MN 55025 | AFLAC | $147 | $3 | $150 | 0.38% |
| AON CONSULTING INC3 Filed as: MICHELE LEIGH HEWITT | 31314 451ST AVENUE GAYVILLE, SD 57031 | AFLAC | $141 | $7 | $148 | 0.37% |
| JENNIFER GENANT3 | 407 S 4TH STREET PARKSTON, SD 57366 | AFLAC | $125 | $6 | $131 | 0.33% |
| LORI J THOMPSON3 Filed as: LORI THOMPSON | 20 LAKE STREET N FOREST LAKE, MN 55025 | AFLAC | $106 | — | $106 | 0.27% |
| AWS INC3 Filed as: AWS, INC. | 1919 WEST 57TH STREET SIOUX FALLS, SD 57108 | AFLAC | $99 | $6 | $105 | 0.27% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $99 | — | $99 | 0.25% |
| DEBORAH A KRUMP3 Filed as: DEBORAH KRUMP | 1407 33RD STS SAINT CLOUD, MN 56301 | AFLAC | $85 | — | $85 | 0.21% |
| MARGARET NULF3 | 16372 TIMBER CREST DR SE PRIOR LAKE, MN 55372 | AFLAC | $55 | — | $55 | 0.14% |
| CATHY J OLIVER3 Filed as: CATHY OLIVER | 14795 BOISE CIRCLE ROSEMOUNT, MN 55068 | AFLAC | $52 | — | $52 | 0.13% |
| BEN JENKINS3 | 768 RANGER DRIVE CHEYENNE, WI 82009 | AFLAC | $50 | — | $50 | 0.13% |
| MICHAEL FINLEY3 | 907 E. FRONT STREET DOVER, OH 44622 | AFLAC | $49 | — | $49 | 0.12% |
| DARIN D PAVLISH3 Filed as: DARIN PAVLISH | 7760 FRANCE AVENUE SOUTH EDINA, MN 55435 | AFLAC | $44 | — | $44 | 0.11% |
| MARY STEWART3 | 51 WHITE DAY CREEK ROAD FAIRMONT, WA 26554 | AFLAC | $42 | — | $42 | 0.11% |
| ELISE M POLT3 Filed as: ELISE POLT | 201 W. BURNSVILLE PKWY BURNSVILLE, MA 55337 | AFLAC | $37 | — | $37 | 0.09% |
| JED RYAN3 | 321 S NICOLET ROAD APPLETON, WI 54914 | AFLAC | $33 | — | $33 | 0.08% |
| JOLENE BERNDT3 | 706 VALLEY ROAD YANKTON, SD 57078 | AFLAC | $31 | — | $31 | 0.08% |
| RONALD DIETL3 | P.O. BOX 42 CLEAR LAKE, MN 55319 | AFLAC | $31 | — | $31 | 0.08% |
| JOHN P THOMPSON3 Filed as: JOHN PAUL THOMPSON | 6395 S. KEWAUNEE WAY AURORA, CO 80016 | AFLAC | $29 | — | $29 | 0.07% |
| ASHLEY D WARNER3 Filed as: ASHLEY WARNER | 712 2ND STREET SW DE SMET, SD 57231 | AFLAC | $29 | — | $29 | 0.07% |
| TODD MORROW3 | 8101 NORANDALE LAKE BLVD MINNEAPOLIS, MN 55437 | AFLAC | $29 | — | $29 | 0.07% |
| TERRY E ANDERSON3 Filed as: TERRY ANDERSON | 700 CEDAR STREET ALEXANDRIA, MN 56308 | AFLAC | $28 | — | $28 | 0.07% |
| MICHAEL A MAYER3 Filed as: MICHAEL MAYER | P.O. BOX 5825 PASCO, WA 99302 | AFLAC | $27 | — | $27 | 0.07% |
| CORY STILP3 | 13801 PANOLA DRIVE LINDSTROM, MN 55045 | AFLAC | $26 | — | $26 | 0.07% |
| KAREN E VAN NORMAN3 Filed as: KAREN VAN NORMAN | 1268 JEFFERSON AVENUE SAINT PAUL, MA 55105 | AFLAC | $25 | — | $25 | 0.06% |
| JOSEPH MOORE3 | 7289 NEWBURY DRAW WOODBURY, MN 55125 | AFLAC | $23 | — | $23 | 0.06% |
| DEBORAH J LANGENFELD HOOPS3 Filed as: DEBORAH HOOPS | P.O. BOX 462 HURON, SD 57350 | AFLAC | $19 | — | $19 | 0.05% |
| THOMAS J. MCCORD3 Filed as: THOMAS MCCORD | 10 SCOTT AVENUE MORGANTOWN, WV 26508 | AFLAC | $18 | — | $18 | 0.05% |
| MATTHEW R LORENZ3 Filed as: MATTHEW LORENZ | 1021 PROSPECT POINTE ROAD JORDAN, MN 55352 | AFLAC | $16 | — | $16 | 0.04% |
| JAMES M WEBBER3 Filed as: JAMES WEBBER | 110 RINARD MILLS ROAD NEW MATAMORAS, OH 45767 | AFLAC | $16 | — | $16 | 0.04% |
| CAROL PURDY FIELDS3 Filed as: CAROL HANSEN | 1895 52ND STREET SW PEQUOT LAKES, MN 56472 | AFLAC | $15 | — | $15 | 0.04% |
| BRIAN KUYATT3 | 17590 ITALY PATH LAKEVILLE, MN 55044 | AFLAC | $15 | — | $15 | 0.04% |
| ADAM WICHMANN3 | 780 CAPILANO CT CASTLE ROCK, CO 80108 | AFLAC | $14 | — | $14 | 0.04% |
| KELLY ANDERSON3 | 6285 178 STREET W LAKEVILLE, MN 55044 | AFLAC | $13 | — | $13 | 0.03% |
| CAROL D KAPSEN3 Filed as: CAROL KAPSEN | 6600 SCANDIA ROAD EDINA, MA 55439 | AFLAC | $13 | — | $13 | 0.03% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVENUE S MINNEAPOLIS, MN 55439 | AFLAC | $13 | — | $13 | 0.03% |
| JENEL ROCHELEAU3 | 561 OAKHILL CIRCLE CHASKA, MN 55318 | AFLAC | $12 | — | $12 | 0.03% |
| ROBERT J DONOHUE3 Filed as: ROBERT DONAHUE | 808 FAIRWAY DRIVE MOSINEE, WI 54455 | AFLAC | $10 | — | $10 | 0.03% |
| PEAK INC3 Filed as: PEAK, INC. | 1130 S BURR MITCHELL, SD 57301 | AFLAC | $10 | — | $10 | 0.03% |
| GARY L CARDER3 Filed as: GARY CARDER | 2864 BURNSIDE STREET AKRON, OK 44312 | AFLAC | $9 | — | $9 | 0.02% |
| SHAWN MAURICE DONALDSON3 | 115 E CARDINAL AVE WHEELING, WV 26003 | AFLAC | $9 | — | $9 | 0.02% |
| CHARLES HUGH MACKAY3 | 3203 ODYSSEY LAKE CIR S BRUNSWICK, GA 31525 | AFLAC | $9 | — | $9 | 0.02% |
| WENDY RENARD3 | 24133 FAWN CT NE STACY, MN 55079 | AFLAC | $9 | — | $9 | 0.02% |
| ROBERTA DONOHUE3 | 805 FAIRWAY DRIVE MOSINEE, WI 54455 | AFLAC | $8 | — | $8 | 0.02% |
| JEFFREY D HARNED3 Filed as: JEFFREY HANSEN | 1895 52ND STREET SW PEQUOT LAKES, MN 56472 | AFLAC | $8 | — | $8 | 0.02% |
| LISA HALL3 | 2542 E. SUNDOWN DRIVE COEUR DALENE, ID 83815 | AFLAC | $8 | — | $8 | 0.02% |
| PAVLISH CONSULTING CO3 Filed as: PAVLISH CONSULTING | 18248 JUSTICE WAY LAKEVILLE, MA 55044 | AFLAC | $8 | — | $8 | 0.02% |
| SCOTT D MAYER3 Filed as: SCOTT MAYER | 1440 CHATEAU TER MENASHA, WI 54952 | AFLAC | $7 | — | $7 | 0.02% |
| MARK S HENDERSON3 Filed as: MARK HENDERSON | 4433 38TH STREET NW CANTON, OH 44718 | AFLAC | $7 | — | $7 | 0.02% |
| SHARON E MASON3 Filed as: SHARON MASON | 6635 159 ST NE ATWATER, MN 56209 | AFLAC | $7 | — | $7 | 0.02% |
| DANIEL JOHN HAGBERG3 | 554 141ST LANE NE HAM LAKE, MN 55304 | AFLAC | $6 | — | $6 | 0.02% |
| CARRI POOL3 | 2940 SUZANNECT GREEN BAY, WI 54311 | AFLAC | $6 | — | $6 | 0.02% |
| KHRISTOPHER HUWE3 | 700 CEDAR STREET ALEXANDRIA, MN 56308 | AFLAC | $5 | — | $5 | 0.01% |
| JESSE A REISCH3 Filed as: JESSE REISCH | 1505 S MONTICELLO AVENUE SIOUX FALLS, SD 57106 | AFLAC | $5 | — | $5 | 0.01% |
| HARRIS CONSULTING LLC3 Filed as: HARRIS CONSULTING | 1559 CRAWFORD DRIVE WEST ST. PAUL, MN 55118 | AFLAC | $5 | — | $5 | 0.01% |
| RPM LTD3 Filed as: RPM, LTD. | P.O. BOX484 BLOOMINGDALE, GA 31302 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS A HOUSE3 Filed as: THOMAS HOUSE | 1089 HARMONY LANE CLERMONT, FL 34711 | AFLAC | $5 | — | $5 | 0.01% |
| JEREMY ROBBINS3 | 86 MIDVILLE HEIGHTSROAD LAVALETTE, WV 25535 | AFLAC | $4 | — | $4 | 0.01% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $4 | — | $4 | 0.01% |
| TAMMY VAN HOUTEN-THOMPSON3 Filed as: TAMMY THOMPSON | 3422 PARK AVENUE HUNTINGTON, WV 25704 | AFLAC | $4 | — | $4 | 0.01% |
| BRIAN CUMPTAN3 | 320 9TH STREET HUNTINGTON, VA 25701 | AFLAC | $3 | — | $3 | 0.01% |
| JEROME JAMES SHEA3 | 1008 FRONTIER DRIVE FERGUS FALLS, MN 56537 | AFLAC | $3 | — | $3 | 0.01% |
| SHANNON A LADING3 Filed as: SHANNON LADING | 738 W 4TH STREET APPLETON, WI 54914 | AFLAC | $3 | — | $3 | 0.01% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INSURANCE AGENCY | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | AFLAC | $3 | — | $3 | 0.01% |
| BRANDON L MILLER3 Filed as: BRANDON MILLER | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $2 | — | $2 | 0.01% |
| GREGORY F STENZEL3 Filed as: GREGORY STENZEL | 2302 KNOX WAY MELISSA, TX 75454 | AFLAC | $2 | — | $2 | 0.01% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 2802 N 36TH STREET BOISE, ID 83703 | AFLAC | $2 | — | $2 | 0.01% |
| TRACY PLANKERS3 | 3542 168 AVENUE NE HAM LAKE, MN 55304 | AFLAC | $1 | — | $1 | 0.00% |
| PATRICIA LYNN JENSEN3 Filed as: PATRICIA JENSEN | 240 E. PARK STREET COTTONWOOD, MN 56229 | AFLAC | $1 | — | $1 | 0.00% |
| DANIELLE ELLIS3 | 5949 SISSONVILLE DRIVE CHARLESTON, WA 25312 | AFLAC | $1 | — | $1 | 0.00% |
| JOLYNN MACK3 | 113 5TH STREET SE WATERTOWN, SD 57201 | AFLAC | $1 | — | $1 | 0.00% |
| BRADY WEISENBERGER3 | 4840 AMBER VALLEY PARKWAY FARGO, ND 58104 | AFLAC | $1 | — | $1 | 0.00% |
| NATHAN BRONSON3 | W217 N5386 TAYLORS WOODS DRIVE MENOMONEE FALLS, WI 53051 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERTA DICKINSON3 | P.O. BOX 360277 STRONGSVILLE, OH 44136 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER P DOOLEY3 Filed as: CHRISTOPHER DOOLEY | 2903 NORTHWINDS DRIVE EAU CLAIRE, WI 54701 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMY KOOI3 Filed as: JEREMY KOOL | 3495 HUNTER HOLLOW ROAD DODGEVILLE, WI 53533 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN B LACARIA3 Filed as: JOHN LACARIA | 102 JENNIFER LANE BRIDGEPOINT, WA 26330 | AFLAC | $1 | — | $1 | 0.00% |
| THOMAS J STEPHENSON3 Filed as: THOMAS STEPHENSON | 320 9TH STREET HUNTINGTON, WV 25701 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER J ZELLNER3 Filed as: CHRISTOPHER ZELLNER | 918 ALDORA LANE WAUNAKEE, WI 53597 | AFLAC | $1 | — | $1 | 0.00% |
| JUSTIN W DAVIS3 Filed as: JUSTIN DAVIS | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $1 | — | $1 | 0.00% |
| KNUTE NELSON3 | 3920 KIPLINE AVENUE MINNEAPOLIS, MN 55416 | AFLAC | $1 | — | $1 | 0.00% |
| CARISSA LYNN MILES3 | 2306 TRENTON AVENUE SAINT ALBANS, WV 25177 | AFLAC | $1 | — | $1 | 0.00% |
| KRISTINE G WYCKOFF3 Filed as: KRISTINE WYCKOFF | P.O. BOX 952 SPOKANE VALLEY, WA 99037 | AFLAC | $0 | — | $0 | 0.00% |
| NICOLE BLAKE3 | 1111 HIGHWAY 25 N. BUFFALO, MN 57350 | AFLAC | $0 | — | $0 | 0.00% |
| DARAN L WYCKOFF3 Filed as: DARAN WYCKOFF | P.O. BOX 952 SPOKANE VALLEY, WA 99037 | AFLAC | $0 | — | $0 | 0.00% |
| PAUL B BROUCHOUD3 Filed as: PAUL BROUCHOUD | 604 MARK DRIVE DEL CITY, OH 73115 | AFLAC | $0 | — | $0 | 0.00% |
| ADAM THOMAS GARDNER3 Filed as: ADAM GARDNER | 101 N. FARWELL STREET EAU CLAIRE, WI 54703 | AFLAC | $0 | — | $0 | 0.00% |
| CHRISTINE LOGSLETT3 | 300 N CORPORATE DRIVE BROOKFIELD, WI 53045 | AFLAC | $0 | — | $0 | 0.00% |
| OPPORTUNITY INC3 Filed as: OPPORTUNITY, INC. | 9404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | AFLAC | $0 | — | $0 | 0.00% |
| DAWN D SHEUE3 Filed as: DAWN SHEUE | P.O. BOX 3986 JACKSON, WY 83001 | AFLAC | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $233K |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $125K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $125K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $125K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $125K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 171 | $663K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.