| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STROH AND ASSOCIATES | PO BOX 3148 BISMARCK, ND 58502 | SANFORD HEALTH PLAN | $18K | — | $18K | 3.50% |
| STROH AND ASSOCIATES | PO BOX 3148 BISMARCK, ND 58502 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 6.88% |
| DIRECT BENEFITS Filed as: DIRECT BENEFITS INC | 55 E 5TH ST STE 500 ST PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $1K | — | $1K | 3.44% |
| STROH AND ASSOCIATES | PO BOX 3148 BISMARCK, ND 58502 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| STROH AND ASSOCIATES3 | PO BOX 3148 BISMARCK, ND 58502 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| THOMAS W. MAYER3 Filed as: THOMAS MAYER | 55 5TH ST E STE 500 ST PAUL, MN 55101 | COMPANION LIFE INSURANCE COMPANY | $703 | — | $703 | 7.50% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 61 | $528K |
| Dental | DELTA DENTAL OF MINNESOTA | 92 | $40K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 90 | $12K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 95 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.