| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELE HREN3 | 50 SOUTH 6TH STREET SUITE 975 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $29K | — | $29K | 5.74% |
| ACG BENEFITS & RISK CONSULTING INC3 | 50 SOUTH SIXTH STREET SUITE 975 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MINNESOTA | $7K | — | $7K | 4.91% |
| MICHELE HREN3 | 50 SOUTH SIXTH STREET SUITE 975 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MICHELE HREN3 | 50 SOUTH SIXTH STREET SUITE 975 MINNEAPOLIS, MN 55402 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 12.32% |
| AMBER MUSKE3 Filed as: AMBER N MUSKE | 11769 31ST STREET SOUTHEAST VALLEY CITY, ND 58072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 17.84% |
| SHAWN D BENSER3 | 214 PARK DRIVE HARWOOD, ND 58042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $907 | — | $907 | 2.41% |
| MICHELE A HREN3 | 145 MONTROSE PLACE SAINT PAUL, MN 55104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $309 | — | $309 | 0.82% |
| THOMAS J CASSADY3 | 1102 5TH STREET SOUTH FARGO, ND 58103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.18% |
| JOLYNNE M MACK3 | 113 5TH STREET SOUTHEAST WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.11% |
| BRADY L WEISENBERGER3 | 2102 26 1/2 COURT SOUTH FARGO, ND 58103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.10% |
| WANDA K VINING ALBER3 | 110 9TH STREET SOUTHWEST JAMESTOWN, ND 58401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 130 | $141K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 258 | $41K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 240 | $64K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 498 | $505K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 258 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.