| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | SANFORD HEALTH PLAN | $19K | $0 | $19K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 | DAWSON INSURANCE 505 BROADWAY STE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $605 | $0 | $605 | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | DAWSON INSURANCE 505 BROADWAY STE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 22.50% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRAW WENTWORTH 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $327 | $0 | $327 | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 | DAWSON INSURANCE 505 BROADWAY STE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 10.26% |
| MARSH & MCLENNAN AGENCY LLC3 | DAWSON INSURANCE 505 BROADWAY STE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 20.50% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 168 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 138 | $106K |
| Vision | STANDARD INSURANCE COMPANY | 126 | $28K |
| Life insurance | STANDARD INSURANCE COMPANY | 198 | $13K |
| Long-term disability | STANDARD INSURANCE COMPANY | 198 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.