| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAALER INSURANCE INC3 | 2701 S. COLUMBIA ROAD GRAND FORKS, ND 58208 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 5.36% |
| VAALER INSURANCE INC3 | 4803 38TH ST S STE 101 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 19.80% |
| VAALER INSURANCE INC3 | 2701 S. COLUMBIA ROAD GRAND FORKS, ND 58201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.42% |
| VAALER INSURANCE INC3 | PO BOX 12848 GRAND FORKS, ND 58203 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $881 | — | $881 | 6.71% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 10405 6TH AVE., NORTH, STE. 300 PLYMOUTH, MN 55441 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $818 | — | $818 | 6.23% |
| EE DORSETT ASSOCIATES3 Filed as: EE DORSETT & ASSOCIATES, INC | 112 NORTH UNIVERSITY DRIVE FARGO, ND 58102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $432 | — | $432 | 3.29% |
| 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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 185 | $466K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 207 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 120 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $57K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 185 | $466K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.