| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN | 4510 13TH AVE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75K | $7K | $82K | 39.10% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK RD, SUITE 310 HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1 | $4K | 2.05% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN | 4510 13TH AVE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $19K | $19K | 16.35% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN | 4510 13TH AVE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 13.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Contract Administrator Service code 13 | — | $29K |
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 | 1,556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,301 | $222K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,000 | $210K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,301 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,301 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.