| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AZURANCE GROUP3 | 4510 13TH AVE SOUTH FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $184K | $184K | 15.62% |
| AZURANCE GROUP3 | 4510 13TH AVE SOUTH FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $88K | $88K | 19.86% |
| AZURANCE GROUP3 | 4510 13TH AVE SOUTH FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $2K | $50K | 14.70% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK ROAD SUITE 310 HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $189 | — | $189 | 0.06% |
| AZURANCE GROUP3 | 4510 13TH AVE SOUTH FARGO, ND 58121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $429 | $19K | 11.13% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK ROAD SUITE 310 HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.64% |
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 | 2,489 | 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) | 2,489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,901 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,901 | $1.2M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,901 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,901 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.