| 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 | $22K | $2K | $24K | 17.15% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $53 | — | $53 | 0.68% |
| MARY JO ESPINOZA3 | 4604 HORIZON LOOP CHEYENNE, WY 82009 | AFLAC | $41 | — | $41 | 0.53% |
| MARGARET NULF3 Filed as: MARGARET K NULF | 16372 TIMBER CREST DR SE PRIOR LAKE, MN 55372 | AFLAC | $29 | — | $29 | 0.37% |
| KAREN E VAN NORMAN3 | 1268 JEFFERSON AVE SAINT PAUL, MN 55105 | AFLAC | $23 | — | $23 | 0.30% |
| DARIN D PAVLISH3 | 8312 152ND PL SAVAGE, MN 55378 | AFLAC | $23 | — | $23 | 0.30% |
| ELISE M POLT3 | 825 NICOLLET MALL STE 1510 MINNEAPOLIS, MN 55402 | AFLAC | $22 | — | $22 | 0.28% |
| LUCAS BAUMGARTNER3 | 667 158TH AVE NW ANDOVER, MN 55304 | AFLAC | $21 | — | $21 | 0.27% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY STE 425 AURORA, CO 80016 | AFLAC | $14 | — | $14 | 0.18% |
| CAROL D KAPSEN3 | 6600 SCANDIA RD EDINA, MN 55439 | AFLAC | $12 | — | $12 | 0.15% |
| DEBORAH A KRUMP3 | 1407 33RD ST S STE 1098 SAINT CLOUD, MN 56301 | AFLAC | $12 | — | $12 | 0.15% |
| MATTHEW R LORENZ3 | 1021 PROSPECT POINTE RD JORDAN, MN 55352 | AFLAC | $12 | — | $12 | 0.15% |
| JOSEPH MOORE3 Filed as: JOSEPH H MOORE | 7289 NEWBURY DRAW WOODBURY, MN 55125 | AFLAC | $12 | — | $12 | 0.15% |
| LORI J THOMPSON3 | 1600 PRESIDENT GEORGE BUSH HWY APT 6101 ROWLETT, TX 75088 | AFLAC | $11 | — | $11 | 0.14% |
| CATHY J OLIVER3 | 14795 BOISE CIR ROSEMOUNT, MN 55068 | AFLAC | $10 | — | $10 | 0.13% |
| WENDY RENARD3 Filed as: WENDY M RENARD | 24133 FAWN CT NE STACY, MN 55079 | AFLAC | $8 | — | $8 | 0.10% |
| CORY STILP3 | 13801 PANOLA DR LINDSTROM, MN 55045 | AFLAC | $8 | — | $8 | 0.10% |
| BRIAN KUYATT3 | 17590 ITALY PATH LAKEVILLE, MN 55044 | AFLAC | $7 | — | $7 | 0.09% |
| SHARON E MASON3 | 1300 6TH ST SW WILLMAR, MN 56201 | AFLAC | $6 | — | $6 | 0.08% |
| PAVLISH CONSULTING CO3 | 3591 GARNER TERRACE WAY WAKE FOREST, NC 27587 | AFLAC | $6 | — | $6 | 0.08% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $6 | — | $6 | 0.08% |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $5 | — | $5 | 0.06% |
| ELISE M POLT3 | 100 S 5TH ST, STE 1900 MINNEAPOLIS, MN 55402 | AFLAC | $5 | — | $5 | 0.06% |
| HARRIS CONSULTING LLC3 | 1559 CRAWFORD DR WEST ST PAUL, MN 55118 | AFLAC | $4 | — | $4 | 0.05% |
| JESSE A REISCH3 | 47269 255TH ST RENNER, SD 57055 | AFLAC | $3 | — | $3 | 0.04% |
| TERRY E ANDERSON3 | 700 CEDAR ST, STE 185 ALEXANDRIA, MN 56308 | AFLAC | $3 | — | $3 | 0.04% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $3 | — | $3 | 0.04% |
| DANIEL JOHN HAGBERG3 | 554 141ST LN NE HAM LAKE, MN 55304 | AFLAC | $3 | — | $3 | 0.04% |
| CAROL J HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $3 | — | $3 | 0.04% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $2 | — | $2 | 0.03% |
| BEN JENKINS3 | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $1 | — | $1 | 0.01% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINESVILLE, TX 76240 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $1 | — | $1 | 0.01% |
| ROGER MCCOY3 | PO BOX 6 GNADENHUTTEN, OH 44629 | AFLAC | $279 | — | $279 | 4.47% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $77 | — | $77 | 1.23% |
| MARY STEWART3 Filed as: MARY L STEWART | 71 COPPERHEAD LN FAIRMONT, WV 26554 | AFLAC | $42 | — | $42 | 0.67% |
| MICHAEL FINLEY3 Filed as: MICHAEL D FINLEY | 907 E FRONT ST DOVER, OH 44622 | AFLAC | $41 | — | $41 | 0.66% |
| THOMAS J. MCCORD3 Filed as: THOMAS J MCCORD | 36 MULBERRY LN BRIDGEPORT, WV 26330 | AFLAC | $18 | — | $18 | 0.29% |
| JAMES M WEBBER3 | 110 RINARD MILLS RD NEW MATAMORAS, OH 45767 | AFLAC | $16 | — | $16 | 0.26% |
| MARY JO ESPINOZA3 | 4604 HORIZON LOOP CHEYENNE, WY 82009 | AFLAC | $14 | — | $14 | 0.22% |
| BEN JENKINS3 | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $10 | — | $10 | 0.16% |
| CHARLES HUGH MACKAY3 | 2382 S MAIN ST, STE B100 AKRON, OH 44319 | AFLAC | $9 | — | $9 | 0.14% |
| GARY L CARDER3 | 2864 BURNSIDE ST AKRON, OH 44312 | AFLAC | $9 | — | $9 | 0.14% |
| SHAWN MAURICE DONALDSON3 | 115 E CARDINAL AVE WHEELING, WV 26003 | AFLAC | $9 | — | $9 | 0.14% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $7 | — | $7 | 0.11% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $5 | — | $5 | 0.08% |
| THOMAS A HOUSE3 | 114 LATTIMORE DR CLERMONT, FL 34711 | AFLAC | $5 | — | $5 | 0.08% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $5 | — | $5 | 0.08% |
| JOHN B LACARIA3 | 102 JENNIFER LN BRIDGEPORT, WV 26330 | AFLAC | $1 | — | $1 | 0.02% |
| MAKOWSKI INS AGCY INC3 | 9404 WOODCHIP LN BROADVIEW HTS, OH 44147 | AFLAC | $1 | — | $1 | 0.02% |
| SHANNON R JEPSEN3 | 115 BROADWAY AVE, STE 3 YANKTON, SD 57078 | AFLAC | $63 | — | $63 | 2.92% |
| AWS INC3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $19 | — | $19 | 0.88% |
| JENNIFER GENANT3 | 407 S 4TH ST PARKSTON, SD 57366 | AFLAC | $19 | — | $19 | 0.88% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $18 | — | $18 | 0.84% |
| LORI J THOMPSON3 | 1600 PRESIDENT GEORGE BUSH HWY APT 6101 ROWLETT, TX 75088 | AFLAC | $5 | — | $5 | 0.23% |
| LUCAS BAUMGARTNER3 | 667 158TH AVE NW ANDOVER, MN 55304 | AFLAC | $5 | — | $5 | 0.23% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $76 | — | $76 | 3.55% |
| LORI J THOMPSON3 | 1600 PRESIDENT GEORGE BUSH HWY APT 6101 ROWLETT, TX 75088 | AFLAC | $39 | — | $39 | 1.82% |
| LUCAS BAUMGARTNER3 | 667 158TH AVE NW ANDOVER, MN 55304 | AFLAC | $24 | — | $24 | 1.12% |
| MARY JO ESPINOZA3 | 4604 HORIZON LOOP CHEYENNE, WY 82009 | AFLAC | $23 | — | $23 | 1.07% |
| BEN JENKINS3 | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $18 | — | $18 | 0.84% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $8 | — | $8 | 0.37% |
| TODD C MORROW3 | 12521 PORTLAND AVE APT 200 BURNSVILLE, MN 55337 | AFLAC | $6 | — | $6 | 0.28% |
| CATHY J OLIVER3 | 14795 BOISE CIR ROSEMOUNT, MN 55068 | AFLAC | $4 | — | $4 | 0.19% |
| JED RYAN3 | 3051 PROGRESS WAY STE 204 KAUKAUNA, WI 54130 | AFLAC | $12 | — | $12 | 1.99% |
| ROBERT J DONOHUE3 | 808 FAIRWAY DR. MOSINEE, WI 54455 | AFLAC | $9 | — | $9 | 1.49% |
| ADAM D WICHMANN3 | 780 CAPILANO CT CASTLE ROCK, CO 80108 | AFLAC | $6 | — | $6 | 1.00% |
| MARY JO ESPINOZA3 | 4604 HORIZON LOOP CHEYENNE, WY 82009 | AFLAC | $6 | — | $6 | 1.00% |
| CARRI J POOL3 | 9742 BRIGHTON LN EDEN PRAIRIE, MN 55347 | AFLAC | $5 | — | $5 | 0.83% |
| BEN JENKINS3 | 768 RANGER DR CHEYENNE, WY 82009 | AFLAC | $4 | — | $4 | 0.66% |
| SHANNON A LADING3 | 738 W 4TH ST APPLETON, WI 54914 | AFLAC | $3 | — | $3 | 0.50% |
| MICHAEL A MAYER3 | 4406 CAMPOLINA LN PASCO, WA 99301 | AFLAC | $2 | — | $2 | 0.33% |
| JASON SCZEPANIAK3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $2 | — | $2 | 0.33% |
| CHRISTOPHER P DOOLEY3 | 2903 NORTHWINDS DR EUA CLAIRE, WI 54701 | AFLAC | $1 | — | $1 | 0.17% |
| LISA M HALL3 | 686 W MOGUL LOOP APT 102 HAYDEN, ID 83835 | AFLAC | $1 | — | $1 | 0.17% |
| NATHAN BRONSON3 Filed as: NATHAN A BRONSON | W9160 RIPLEY RD CAMBRIDGE, WI 53523 | AFLAC | $1 | — | $1 | 0.17% |
| CARRI J POOL3 | 44143 405TH AVE SAINT PETER, MN 56082 | AFLAC | — | — | $0 | 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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $159K |
| Vision(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $159K |
| Life insurance(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $159K |
| Short-term disability(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $159K |
| Other(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.