| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAALER INSURANCE INC3 | PO BOX 12848 2701 S. COLUMBIA RD GRAND FORKS, ND 58201 | THE STANDARD | $9K | $5K | $14K | 7.55% |
| MARSH & MCLENNAN AGENCY LLC | 2500 CITY WEST BLVD STE 2400 HOUSTON, TX 77042 | THE STANDARD | $3K | — | $3K | 1.66% |
| VAALER INSURANCE INC | — | SANFORD HEALTH PLAN | $21K | — | $21K | 18.87% |
| STEVEN A BLIKRE Filed as: STEVEN A. BLIKRE | 2425 9TH ST SW MINOT, ND 58701 | GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 7.80% |
| MARSH & MCLENNAN AGENCY LLC | 505 BROADWAY N. STE 100 FARGO, ND 58102 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.16% |
| VAALER INSURANCE INC | PO BOX 12848 GRAND FORKS, ND 58208 | METROPOLITAN LIFE INSURANCE COMPANY | $995 | — | $995 | 2.43% |
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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 567 | $113K |
| Dental | THE STANDARD | 178 | $182K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $41K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 177 | $111K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 177 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.