| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAALER INSURANCE INC3 | 2701 S. COLUMBIA ROAD GRAND FORKS, ND 58208 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 7.33% |
| VAALER INSURANCE INC3 | 2701 S. COLUMBIA ROAD GRAND FORKS, ND 58201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 19.87% |
| VAALER INSURANCE INC3 | 1531 32ND AVE S STE 103 FARGO, ND 58103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.96% |
| EE DORSETT ASSOCIATES3 Filed as: EE DORSETT & ASSOCIATES, INC | 112 NORTH UNIVERSITY DRIVE FARGO, ND 58102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $593 | — | $593 | 4.94% |
| VAALER INSURANCE INC3 | PO BOX 12848 GRAND FORKS, ND 58203 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $593 | — | $593 | 4.94% |
| MIDDAUGH BENEFITS CONSULTING INC3 Filed as: MIDDAUGH BENEFITS CONSULTING | 1019 5TH AVE S FARGO, ND 58103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $301 | — | $301 | 2.51% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 10405 6TH AVE., NORTH, STE. 300 PLYMOUTH, MN 55441 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $291 | — | $291 | 2.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS NONE | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 205 | $398K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 231 | $70K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 119 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $54K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 205 | $398K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.