| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP INC. | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | HEALTHPARTNERS | $84K | — | $84K | 1.86% |
| PREMIER BENEFITS | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $22K | — | $22K | 1.22% |
| BELL INSURANCE SERVICES | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | — | $0 | 0.00% |
| 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 | $24K | 13.27% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAIN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 2.89% |
| PREMIER BENEFITS | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 8.13% |
| BECKY COSTE | PO BOX 23 FARGO, ND 58107 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.05% |
| WILLIAM FLICKINGER | 2830 NORTH BROOKFIELD ROAD BROOKFIELD, WI 53045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| 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 | $11K | $4K | $15K | 20.93% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAIN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.96% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP, INC | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| 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 | 15.80% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAIN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $778 | $778 | 2.90% |
| PREMIER BENEFITS GROUP INC Filed as: PREMIER BENEFITS GROUP INC. | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.01% |
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 | 669 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHPARTNERS | 991 | $6.3M |
| Dental(2 contracts, 2 carriers) | HEALTHPARTNERS | 991 | $6.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 741 | $71K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,338 | $98K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 120 | $80K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,338 | $179K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,338 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,338 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.