| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFITS GROUP INC3 | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 9.16% |
| ALLAN R BERG3 | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.97% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $385 | — | $385 | 0.48% |
| PREMIER BENEFITS GROUP INC3 | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.88% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.18% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 106 | $80K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $26K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.