| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHOICE INSURANCE SERVICES LLC3 Filed as: CHOICE INSURANCE SERVICES, LLC | 4501 23RD AVE S FARGO, ND 58104 | HEALTH PARTNERS INSURANCE COMPANY | $0 | $17K | $17K | 1.37% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | DELTA DENTAL OF MINNESOTA | $5K | $0 | $5K | 4.16% |
| CHOICE FINANCIAL GROUP LLC3 Filed as: CHOICE FINANCIAL GROUP | 4501 23RD AVE S FARGO, ND 58104 | DELTA DENTAL OF MINNESOTA | $4K | $0 | $4K | 2.86% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.14% |
| BENEUSA LLC3 | 261 SCHOOL AVENUE, SUITE 350 EXCELSIOR, MN 55331 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.68% |
| CHOICE FINANCIAL GROUP LLC3 Filed as: CHOICE FINANCIAL GROUP | 3050 SIENNA DRIVE SOUTH FARGO, ND 58104 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.50% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS INSURANCE COMPANY | 254 | $1.3M |
| Dental | DELTA DENTAL OF MINNESOTA | 260 | $125K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $113K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $113K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $113K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $113K |
| Prescription drug | HEALTH PARTNERS INSURANCE COMPANY | 254 | $1.3M |
| Other(2 contracts, 2 carriers) | HEALTH PARTNERS INSURANCE COMPANY | 254 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.