Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Gallagher Benefit Services, Inc. HealthRx | HealthRx | Pro |
Broker: Chelsey Nicole Collins DentalVisionLifeSTDIndemnityOther | DentalVisionLifeSTDIndemnityOther | Pro |
Broker: Gallagher Benefit Services, Inc. DentalPPO | DentalPPO | Pro |
Broker: Gallagher Benefit Services, Inc. LifeOther | LifeOther | Pro |
Broker: Carmen Kay Bloms LTD | LTD | Pro |
Broker: Gallagher Benefit Services, Inc. Vision | Vision | Pro |
See premium, retention and renewal dates for 6 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Blue Cross Blue Shield of North Dakota | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Aflac | Pro |
Carrier: Starmount Life Insurance Company | Pro |
Carrier: Unum Life Insurance Company of America | Pro |
Carrier: Northwestern Mutual Insurance | Pro |
Carrier: Northwestern Mutual Insurance | Pro |
Carrier: Northwestern Mutual Insurance | Pro |
Carrier: Northwestern Mutual Insurance | Pro |
Carrier: Northwestern Mutual Insurance | Pro |
Carrier: Metropolitan Life Insurance Company | Pro |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 189 | $1.4M |
| Dental(2 contracts, 2 carriers) | AFLAC | 143 | $338K |
| Vision(2 contracts, 2 carriers) | AFLAC | 176 | $271K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 182 | $311K |
| Short-term disability | AFLAC | 143 | $258K |
| Long-term disability | NORTHWESTERN MUTUAL INSURANCE | 162 | $36K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 189 | $1.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 182 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.