| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | ONE WACHOVIA CENTER 301 SOUTH COLLEGE STREET 19TH FLOOR CHARLOTTE, NC 28202 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $55K | — | $55K | 1.01% |
| WELLS FARGO INSURANCE SERVICES3 | 4300 MARKETPOINTE DRIVE, SUITE 600 BLOOMINGTON, MN 55435 | DELTA DENTAL OF MINNESOTA | $45K | — | $45K | 11.96% |
| WELLS FARGO INSURANCE SERVICES3 | 4300 MARKET POINTE DRIVE, SUITE 600 BLOOMINGTON, MN 55435 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 15.59% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 7.85% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 6.39% |
| WELLS FARGO INSURANCE SERVICES3 | 4300 MARKET POINT DRIVE, SUITE 600 BLOOMINGTON, MN 55435 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 15.39% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.80% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.58% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH SAINT LOUIS PARK, MN 55426 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 9.92% |
| WELLS FARGO INSURANCE SERVICES3 | 4300 MARKET POINTE DRIVE, SUITE 600 BLOOMINGTON, MN 55435 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 17.00% |
| WELLS FARGO INSURANCE SERVICES3 | 400 HIGHWAY 169 SOUTH SAINT LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $923 | $923 | 1.75% |
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 | 665 | 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) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 1,302 | $5.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 981 | $378K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 712 | $88K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 665 | $325K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 665 | $184K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 665 | $184K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 1,302 | $5.4M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 665 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,302 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.