No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ND EIN 45-0173185 NONE | Claims processing Service code 12 | — | $1.8M |
| NORTH RISK PARTNERS LLC EIN 46-1375576 NONE | Consulting (general) Service code 16 | — | $63K |
| INVESTMENT CONSULTING SERVICES, LLC EIN 32-0016703 NONE | Investment advisory (plan) Service code 27 | — | $43K |
| STINSON LLP EIN 44-0643135 NONE | Legal Service code 29 | — | $31K |
| WIDMER ROEL PC EIN 45-0334950 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| TRAVELERS EIN 06-0566050 NONE | Insurance services Service code 23 | — | $17K |
| ALERUS FINANCIAL EIN 45-0140105 NONE | Custodial (securities) Service code 19 | — | $10K |
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 | 3,342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 5,866 | $3.3M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 2,238 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 1,043 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 5,866 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,866 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.