| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS | — | $43K | $43K | 0.79% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP INC. | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | HEALTHPARTNERS | — | $4K | $4K | 0.08% |
| PREMIER BENEFITS | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | — | $0 | 0.00% |
| 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 | $3K | $11K | $14K | 8.15% |
| NORTH RISK PARTNERS LLC | PO BOX 10 THIEF RIVER FALLS, MN 56701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 5.58% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAIN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.12% |
| NORTH RISK PARTNERS LLC | PO BOX 10 THIEF RIVER FALLS, MN 56701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 11.24% |
| 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 | $4K | $7K | 9.78% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAIN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.01% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 16.56% |
| BECKY COSTE3 | PO BOX 23 FARGO, ND 58107 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.07% |
| WILLIAM FLICKINGER3 | 2830 NORTH BROOKFIELD ROAD BROOKFIELD, WI 53045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| 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 | $663 | $2K | $2K | 8.88% |
| NORTH RISK PARTNERS LLC3 | PO BOX 10 THIEF RIVER FALLS, MN 56701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.42% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAIN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $806 | $806 | 3.14% |
| NORTH RISK PARTNERS LLC | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.48% |
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 | 638 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHPARTNERS | 783 | $7.3M |
| Dental(2 contracts, 2 carriers) | HEALTHPARTNERS | 783 | $7.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 318 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 600 | $97K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 119 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 600 | $173K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 600 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 783 | — |
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.