| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFITS | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $6K | — | $6K | 0.36% |
| BELL INSURANCE SERVICES | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $6K | — | $6K | 0.36% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP INC. | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $10K | $23K | 13.48% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAIN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.00% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP INC. | 3170 44TH ST S UNIT 110 FARGO, ND 581048596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 21.17% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAIN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.10% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP, INC | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| PREMIER BENEFITS GROUP INC Filed as: PREMIER BENEFITS GROUP INC. | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 16.67% |
| BECKY COSTE | PO BOX 23 FARGO, ND 58107 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.08% |
| WILLIAM FLICKINGER | 2830 NORTH BROOKFIELD ROAD BROOKFIELD, WI 53045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| PREMIER BENEFITS GROUP INC Filed as: PREMIER BENEFITS GROUP INC. | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 13.16% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP INC. | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 16.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAIN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $768 | $768 | 3.01% |
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 | 639 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 919 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 919 | $1.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 349 | $68K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 639 | $97K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 134 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 639 | $168K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 639 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 919 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.