| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AZURANCE GROUP3 | 4510 13TH AVENUE SOUTH FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 13.67% |
| BELL INSURANCE SERVICES, LLC3 | PO BOX 1470 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $158 | $158 | 0.21% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP, INC. | 4510 13TH AVENUE SOUTH FARGO, ND 58121 | USABLE LIFE | $3K | $0 | $3K | 24.89% |
| MARGARET BRYANT3 Filed as: MARGARET PEDERSON HENDERSON | 3108 26TH AVENUE SOUTH FARGO, ND 58103 | USABLE LIFE | $4 | $0 | $4 | 0.03% |
| DIRECT BENEFITS3 | 55 EAST 5TH STREET, SUITE 500 ST PAUL, MN 55101 | FIDELITY SECURITY LIFE | $901 | $0 | $901 | 8.01% |
| AZURANCE GROUP3 | 4510 13TH AVENUE SOUTH FARGO, ND 58121 | FIDELITY SECURITY LIFE | $805 | $0 | $805 | 7.15% |
| BELL INSURANCE SERVICES, LLC3 | PO BOX 1470 FARGO, ND 58107 | FIDELITY SECURITY LIFE | $321 | $0 | $321 | 2.85% |
| AZURANCE GROUP3 | 4510 13TH AVENUE SOUTH FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY | $411 | $105 | $516 | 15.72% |
| BELL INSURANCE SERVICES, LLC3 | PO BOX 1470 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY | $16 | $1 | $17 | 0.52% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 187 | $481K |
| Vision | FIDELITY SECURITY LIFE | 106 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $75K |
| Short-term disability | USABLE LIFE | 13 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $75K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.