| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL INSURANCE SERVICES | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | $811K | $811K | 16.69% |
| BELL INSURANCE SERVICES | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | $25K | $25K | — |
| BELL INSURANCE SERVICES | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | $3K | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ND EIN 45-0173185 NONE | Other insurance fees and expenses; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $7.4M |
| NORTH RISK PARTNERS LLC EIN 46-1375576 NONE | Actuarial; Consulting (general) Service code 11 | — | $124K |
| OPIOID CLINICAL MANAGEMENT, LLC EIN 82-3048556 | Consulting (general) Service code 16 | — | $108K |
| INVESTMENT CONSULTING SERVICES, LLC EIN 32-0016703 NONE | Investment advisory (plan) Service code 27 | — | $43K |
| WIDMER ROEL PC EIN 45-0334950 NONE | Accounting (including auditing) Service code 10 | — | $29K |
| TRAVELERS EIN 06-0566050 NONE | Insurance services Service code 23 | — | $18K |
| STINSON LLP EIN 44-0643135 NONE | Legal Service code 29 | — | $11K |
| ALERUS FINANCIAL EIN 45-0140105 NONE | Custodial (securities) Service code 19 | — | $10K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Consulting (general) Service code 16 | — | $9K |
| PRIME THERAPEUTICS EIN 26-0076803 NONE | Other fees Service code 99 | — | $0 |
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 | 3,395 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 5,815 | $4.9M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 2,028 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 1,129 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 5,815 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,815 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.