| 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 | $2K | — | $2K | 7.01% |
| DIRECT BENEFITS-BORTNEM | 55 E 5TH ST ST PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $874 | — | $874 | 2.61% |
| DIRECT BENEFITS-BORTNEM Filed as: DIRECT BENEFITS INC-MAYER | 55 E 5TH ST ST PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $302 | — | $302 | 0.90% |
| STROH AND ASSOCIATES | PO BOX 3148 BISMARCK, ND 58502 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| THOMAS W. MAYER Filed as: THOMAS MAYER | 55 E 5TH ST ST PAUL, MN 55101 | COMPANION LIFE INSURANCE COMPANY | $690 | — | $690 | 7.50% |
| STROH AND ASSOCIATES | PO BOX 3148 BISMARCK, ND 58502 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $850 | — | $850 | 10.04% |
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 | 88 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 53 | $500K |
| Dental | DELTA DENTAL OF MINNESOTA | 88 | $34K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 58 | $8K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 73 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.