| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2150 S. CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $7K | $25K | 21.67% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $74 | — | $74 | 0.71% |
| MARY JO ESPINOZA3 | 4604 HORIZON LOOP CHEYENNE, WY 82009 | AFLAC | $53 | — | $53 | 0.51% |
| DEBORAH A KRUMP3 | 1407 33RD ST S STE 107 SAINT CLOUD, MN 56301 | AFLAC | $49 | — | $49 | 0.47% |
| MARGARET NULF3 Filed as: MARGARET K NULF | 16372 TIMBER CREST DR SE PRIOR LAKE, MN 55372 | AFLAC | $32 | — | $32 | 0.31% |
| ELISE M POLT3 | 100 S 5TH ST STE 1900 MINNEAPOLIS, MN 55402 | AFLAC | $29 | — | $29 | 0.28% |
| LUCAS BAUMGARTNER3 | 667 158TH AVE NW ANDOVER, MN 55304 | AFLAC | $29 | — | $29 | 0.28% |
| DARIN D PAVLISH3 | 8312 152ND PL SAVAGE, MN 55378 | AFLAC | $25 | — | $25 | 0.24% |
| KAREN E VAN NORMAN3 | 1268 JEFFERSON AVE SAINT PAUL, MN 55105 | AFLAC | $25 | — | $25 | 0.24% |
| LORI J THOMPSON3 | 1600 PRESIDENT GEORGE BUSH HWY APR 6101 ROWLETT, TX 75088 | AFLAC | $19 | — | $19 | 0.18% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $16 | — | $16 | 0.15% |
| JOSEPH MOORE3 Filed as: JOSEPH H MOORE | 7289 NEWBURY DRAW WOODBURY, MN 55125 | AFLAC | $14 | — | $14 | 0.13% |
| RONALD DIETL3 Filed as: RONALD S DIETL | PO BOX 42 CLEAR LAKE, MN 55319 | AFLAC | $14 | — | $14 | 0.13% |
| CAROL D KAPSEN3 | 6600 SCANDIA RD EDINA, MN 55439 | AFLAC | $13 | — | $13 | 0.12% |
| TERRY E ANDERSON3 | 700 CEDAR ST, STE 185 ALEXANDRIA, MN 56308 | AFLAC | $13 | — | $13 | 0.12% |
| MATTHEW R LORENZ3 | 1021 PROSPECT POINTE RD JORDAN, MN 55352 | AFLAC | $13 | — | $13 | 0.12% |
| CATHY J OLIVER3 | 14795 BOISE CIR ROSEMOUNT, MN 55068 | AFLAC | $12 | — | $12 | 0.11% |
| WENDY RENARD3 Filed as: WENDY M RENARD | 24133 FAWN CT NE STACY, MN 55079 | AFLAC | $9 | — | $9 | 0.09% |
| CORY STILP3 | 13801 PANOLA DR LINDSTROM, MN 55045 | AFLAC | $9 | — | $9 | 0.09% |
| BRIAN KUYATT3 | 17590 ITALY PATH LAKEVILLE, MN 55044 | AFLAC | $8 | — | $8 | 0.08% |
| PAVELISH CONSULTING CO3 | 1981 BLUE JAY ST SHAKOPEE, MN 55379 | AFLAC | $8 | — | $8 | 0.08% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $7 | — | $7 | 0.07% |
| SHARON E MASON3 | 1300 6TH ST SW WILLMAR, MN 56201 | AFLAC | $7 | — | $7 | 0.07% |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $6 | — | $6 | 0.06% |
| HARRIS CONSULTING LLC3 | 1559 CRAWFORD DR WEST ST PAUL, MN 55118 | AFLAC | $5 | — | $5 | 0.05% |
| CAROL J HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $5 | — | $5 | 0.05% |
| BEN JENKINS3 | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $4 | — | $4 | 0.04% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $4 | — | $4 | 0.04% |
| JESSE A REISCH3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $3 | — | $3 | 0.03% |
| DANIEL JOHN HAGBERG3 | 554 141ST LN NE HAM LAKE, MN 55304 | AFLAC | $3 | — | $3 | 0.03% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $2 | — | $2 | 0.02% |
| JEREMY L TOMLINSON3 | 8465 W WINCHESTER DR BOISE, ID 83704 | AFLAC | $2 | — | $2 | 0.02% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINESVILLE, TX 76240 | AFLAC | $2 | — | $2 | 0.02% |
| KHRISTOPHER C HUWE3 | 700 CEDAR ST, STE 185 ALEXANDRIA, MN 56308 | AFLAC | $1 | — | $1 | 0.01% |
| JENEL ROCHELEAU3 Filed as: JENEL L ROCHELEAU | 561 OAKHILL CIR CHASKA, MN 55318 | AFLAC | $1 | — | $1 | 0.01% |
| JED RYAN3 | 3051 PROGRESS WAY STE 204 KAUKAUNA, WI 54130 | AFLAC | $1 | — | $1 | 0.01% |
| JEROME JAMES SHEA3 | 1008 FRONTEIR DR, STE 2015 FERGUS FALLS, MN 56537 | AFLAC | $1 | — | $1 | 0.01% |
| ROBER J DONOHUE3 | 808 FAIRWAY DR MOSINEE, WI 54455 | AFLAC | $1 | — | $1 | 0.01% |
| ROGER MCCOY3 | PO BOX 6 GNADENHUTTEN, OH 44629 | AFLAC | $265 | — | $265 | 4.16% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $71 | — | $71 | 1.11% |
| MARY STEWART3 Filed as: MARY L STEWART | 71 COPPERHEAD LN FAIRMONT, WV 26554 | AFLAC | $39 | — | $39 | 0.61% |
| MICHAEL FINLEY3 Filed as: MICHAEL D FINLEY | 907 E FRONT ST DOVER, OH 44622 | AFLAC | $37 | — | $37 | 0.58% |
| MARY JO ESPINOZA3 | 4604 HORIZON LOOP CHEYENNE, WY 82009 | AFLAC | $18 | — | $18 | 0.28% |
| JAMES M WEBBER3 | 110 RINARD MILLS RD NEW MATAMORAS, OH 45767 | AFLAC | $15 | — | $15 | 0.24% |
| THOMAS J. MCCORD3 Filed as: THOMAS J MCCORD | 10 SCOTT AVE MORGANTOWN, WV 26508 | AFLAC | $11 | — | $11 | 0.17% |
| BEN JENKINS3 | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $9 | — | $9 | 0.14% |
| CHARLES HUGH MACKAY3 | 2382 S MAIN ST, STE B100 AKRON, OH 44319 | AFLAC | $8 | — | $8 | 0.13% |
| GARY L CARDER3 | 2864 BURNSIDE ST AKRON, OH 44312 | AFLAC | $8 | — | $8 | 0.13% |
| SHAWN MAURICE DONALDSON3 | 115 E CARDINAL AVE WHEELING, WV 26003 | AFLAC | $8 | — | $8 | 0.13% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $6 | — | $6 | 0.09% |
| THOMAS J. MCCORD3 Filed as: THOMAS J MCCORD | 36 MULBERRY LN BRIDGEPORT, WV 26330 | AFLAC | $6 | — | $6 | 0.09% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $6 | — | $6 | 0.09% |
| MARK L HENDERSON3 | 4450 BELDEN VILLAGE ST NW STE 700 CANTON, OH 44718 | AFLAC | $5 | — | $5 | 0.08% |
| THOMAS A HOUSE3 | 205 CRESTRUN LOOP LEESBURG, FL 34748 | AFLAC | $4 | — | $4 | 0.06% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $4 | — | $4 | 0.06% |
| JEREMY ROBBINS3 | 86 MIDVILLE HEIGHTS RD LAVALETTE, WV 25535 | AFLAC | $4 | — | $4 | 0.06% |
| BRIAN CUMPTAN3 | 320 9TH ST STE 200 HUNTINGTON, WV 25701 | AFLAC | $3 | — | $3 | 0.05% |
| MAKOWSKI INS AGCY INC3 Filed as: MAKOWSKI INS ANGY INC | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $2 | — | $2 | 0.03% |
| BRANDON L MILLER3 | 5852 EMPIRE MILLS RUN CANAL WINCHESTER, OH 43110 | AFLAC | $2 | — | $2 | 0.03% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $1 | — | $1 | 0.02% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUER D ALENE, ID 83815 | AFLAC | $1 | — | $1 | 0.02% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S DICKINSON | 16141 HOWE RD STRONGSVILLE, OH 44136 | AFLAC | $1 | — | $1 | 0.02% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | AFLAC | $1 | — | $1 | 0.02% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $1 | — | $1 | 0.02% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $100 | — | $100 | 2.83% |
| LORI J THOMPSON3 | 1600 PRESIDENT GEORGE BUSH HWY APT 6101 ROWLETT, TX 75088 | AFLAC | $51 | — | $51 | 1.44% |
| MARY JO ESPINOZA3 | 4604 HORIZON LOOP CHEYENNE, WY 82009 | AFLAC | $43 | — | $43 | 1.22% |
| LUCAS BAUMGARTNER3 | 667 158TH AVE NW ANDOVER, MN 55304 | AFLAC | $39 | — | $39 | 1.10% |
| BEN JENKINS3 | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $28 | — | $28 | 0.79% |
| TODD C MORROW3 | 12521 PORTLAND AVE APT 200 BURNSVILLE, MN 55337 | AFLAC | $27 | — | $27 | 0.76% |
| CATHY J OLIVER3 | 14795 BOISE CIR ROSEMOUNT, MN 55068 | AFLAC | $19 | — | $19 | 0.54% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $12 | — | $12 | 0.34% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $1 | — | $1 | 0.03% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $1 | — | $1 | 0.03% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | AFLAC | $1 | — | $1 | 0.03% |
| SHANNON R JEPSEN3 | 115 BROADWAY AVE STE 3 YANKTON, SD 57078 | AFLAC | $85 | — | $85 | 2.92% |
| JENNIFER GENANT3 | 407 S 4TH ST PARKSTON, SD 57366 | AFLAC | $28 | — | $28 | 0.96% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $26 | — | $26 | 0.89% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $26 | — | $26 | 0.89% |
| LUCAS BAUMGARTNER3 | 667 158TH AVE NW ANDOVER, MN 55304 | AFLAC | $7 | — | $7 | 0.24% |
| JED RYAN3 | 3051 PROGRESS WAY STE 204 KAUKAUNA, WI 54130 | AFLAC | $19 | — | $19 | 2.15% |
| ROBERT J DONOHUE3 | 808 FAIRWAY DR MOSINEE, WI 54455 | AFLAC | $10 | — | $10 | 1.13% |
| ADAM D WICHMANN3 | 780 CAPILANO CT CASTLE ROCK, CO 80108 | AFLAC | $9 | — | $9 | 1.02% |
| MARY JO ESPINOZA3 | 4604 HORIZON LOOP CHEYENNE, WY 82009 | AFLAC | $8 | — | $8 | 0.91% |
| CARRI J POOL3 | 44143 405TH AVE ST. PETER, MN 56082 | AFLAC | $6 | — | $6 | 0.68% |
| SCOTT D MAYER3 | 1440 CHATEAU TER MENASHA, WI 54952 | AFLAC | $5 | — | $5 | 0.57% |
| BEN JENKINS3 | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $4 | — | $4 | 0.45% |
| SHANNON A LADING3 | 738 W 4TH ST APPLETON, WI 54914 | AFLAC | $3 | — | $3 | 0.34% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $2 | — | $2 | 0.23% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $2 | — | $2 | 0.23% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $1 | — | $1 | 0.11% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DR EAU CLAIRE, WI 54701 | AFLAC | $1 | — | $1 | 0.11% |
| NATHAN BRONSON3 Filed as: NATHAN A BRONSON | W217N5386 TAYLORS WOODS DR MENOMONEE FALLS, WI 53051 | AFLAC | $1 | — | $1 | 0.11% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $116K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $116K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $116K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $116K |
| Other(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.