| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DAWSON INSURANCE, A MARSH & MC | PO BOX 1958 FARGO, ND 58107 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $1K | $8K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DAWSON INSURANCE, A MARSH & MC | PO BOX 1958 FARGO, ND 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 18.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DAWSON INSURANCE, A MARSH & MC | PO BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 20.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 581024489 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 7.77% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 360 PEHLE AVE SUITE 400 SADDLEBROOK, NJ 076635832 | AMERITAS LIFE INSURANCE CORP. | — | $283 | $283 | 1.59% |
| NATIONAL INSURANCE SERVICES OF WI3 Filed as: NATIONAL INSURANCE SERVICES WI INC. | 14852 SCENIC HEIGHTS RD, SUITE 210 EDEN PRAIRIE, MN 553442289 | AMERITAS LIFE INSURANCE CORP. | $6 | — | $6 | 0.03% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 74 | $68K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 149 | $18K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $30K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.