| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | UNKNOWN MANDAN, ND 58554 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $19K | $0 | $19K | 0.97% |
| STROH AND ASSOCIATES3 | UNKNOWN MANDAN, ND 58554 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $2K | $0 | $2K | 0.09% |
| GCG FINANCIAL LLC3 Filed as: DIRECT BENEFIT AN ALERA GROUP AGNCY | 7900 INTERNATIONAL DRIVE SUITE 1040 BLOOMINGTON, MN 55425 | AMERITAS LIFE INSURANCE CORPORATION | $7K | $0 | $7K | 9.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | PO BOX 542006 OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $0 | $6K | 7.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MIRACLE HILLS DRIVE, SUITE 1 OMAHA, NE 68154 | SYMETRA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 18.91% |
| STROH AND ASSOCIATES3 | PO BOX 3148 BISMARCK, ND 58502 | SYMETRA LIFE INSURANCE COMPANY | $984 | $0 | $984 | 1.55% |
| GCG FINANCIAL LLC3 Filed as: DIRECT BENEFIT AN ALERA GROUP AGNCY | 7900 INTERNATIONAL DRIVE SUITE 1040 BLOOMINGTON, MN 55425 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 13.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | PO BOX 542006 OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 6.43% |
| STROH AND ASSOCIATES3 | PO BOX 3148 BISMARCK, ND 58502 | AMERITAS LIFE INSURANCE CORPORATION | $97 | $0 | $97 | 0.57% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 177 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 231 | $77K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 217 | $17K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 98 | $63K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 98 | $63K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 98 | $63K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 177 | $1.9M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 98 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.