| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BLUE CROSS BLUE SHIELD OF NORTH DAK | 4510 13TH AVE S FARGO, ND 58121 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | $507K | $507K | 18.50% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BLUE CROSS BLUE SHIELD OF NORTH DAK | 4510 13TH AVE S FARGO, ND 58121 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | $325K | $325K | 15.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS EIN 26-0076803 | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $0 |
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 | 2,590 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance(2 contracts) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 3,278 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,278 | — |
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.