| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 2290 LUCIEN WAY MAITLAND, FL 32751 | DELTA DENTAL OF MINNESOTA | $9K | $0 | $9K | 4.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MINNESOTA | $791 | $0 | $791 | 0.42% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.58% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $530 | $530 | 0.96% |
| BROWN & BROWN INSURANCE SERVICES3 | IDS CENTER SUITE 700 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 505 BROADWAY N STE 100 FARGO, ND 58102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $829 | $124 | $953 | 2.36% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $848 | $848 | 2.10% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $481 | $481 | 1.19% |
| AMBER MUSKE3 Filed as: AMBER NICOLE MUSKE | 11769 31 ST SE VALLEY CITY, ND 58072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 8.64% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.46% |
| THOMAS J CASSADY3 Filed as: THOMAS JOHN CASSADY | 1102 5TH ST S FARGO, ND 58103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $314 | $0 | $314 | 0.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 655 N. FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | $0 | $236 | 0.73% |
| SHAWN DUNN BENSER3 | 214 PARK DR HARWOOD, ND 58042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | $0 | $183 | 0.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | $0 | $182 | 0.56% |
| TONYA D SAMUELSON3 | 135 4TH ST NW VALLEY CITY, ND 58072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | $0 | $127 | 0.39% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | $0 | $122 | 0.38% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 655 N. FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 0.23% |
| DEREK ROGER MOSSET3 | 601 BIDDERS ST NW STEELE, ND 58482 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.19% |
| BRADY L WEISENBERGER3 | 4553 9TH AVE S #3 FARGO, ND 58103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| JOLYNNE M MACK3 | 1301 4TH ST NE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 655 N. FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 359 | $189K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 431 | $32K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 450 | $55K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 307 | $40K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 450 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.