| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM SCHULTZ3 | 6253 16TH ST S FARGO, ND 581047223 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 9.34% |
| WILLIAM SCHULTZ3 | 6253 16TH ST S FARGO, ND 581047223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.83% |
| BENEFITS SPECIALISTS3 | P.O. BOX 10006 FARGO, ND 58106 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $524 | — | $524 | 5.01% |
| HEALTH QUOTES SERVICES3 | 4445 2ND AVE S #4 FARGO, ND 58103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $524 | — | $524 | 5.01% |
| EE DORSETT ASSOCIATES3 Filed as: EE DORSETT & ASSOCIATES, INC | 112 NORTH UNIVERSITY DRIVE FARGO, ND 58102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $524 | — | $524 | 5.01% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 190 | $227K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 199 | $58K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 89 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $41K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 190 | $227K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.