| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $16K | — | $16K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: VAALER INSURANCE, MARSH & MCLENNAN | 2701 S. COLUMBIA ROAD GRAND FORKS, ND 58208 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 5.44% |
| VAALER INSURANCE INC3 | 2701 S. COLUMBIA ROAD GRAND FORKS, ND 58208 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 3.32% |
| VAALER INSURANCE INC3 | 4803 38TH ST S STE 101 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 19.71% |
| VAALER INSURANCE INC3 | 2701 S. COLUMBIA ROAD GRAND FORKS, ND 58201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.84% |
| VAALER INSURANCE INC3 | 4803 38TH ST S STE 101 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| VAALER INSURANCE INC3 | 4803 38TH ST S STE 101 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.56% |
| VAALER INSURANCE INC3 | PO BOX 12848 GRAND FORKS, ND 58203 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| UNITED OF OMAHA LIFE INSURANCE CO5 Filed as: UNITED OF OMAHA LIFE INSURANCE CO. | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | — |
| VAALER INSURANCE INC3 | 4803 38TH ST S STE 101 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $318 | — | $318 | — |
| VAALER INSURANCE INC3 | 4803 38TH ST S STE 101 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $136 | $136 | — |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 175 | $457K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 208 | $70K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 141 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $77K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $59K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 175 | $457K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.