| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH EDWARD HUGUELET III3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | DELTA DENTAL OF MINNESOTA | $8K | — | $8K | 7.98% |
| JOSEPH EDWARD HUGUELET III3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 13.73% |
| JENNON CARUTH3 | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $19K | 38.30% |
| JOSEPH EDWARD HUGUELET III3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 23.40% |
| JOSEPH EDWARD HUGUELET III3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.06% |
| JOSEPH E HUGUELET III3 Filed as: JOSEPH HUGUELET | 11294 BIRCH ISLAND ROAD BRAINERD, MN 56401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.80% |
| JUDY INGVALSON3 | 15166 13TH ST NE MAYVILLE, ND 58257 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 3.07% |
| SHARI HANSON3 | 2375 5TH AVE NE NORTHWOOD, ND 58267 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 2.11% |
| MAXINE BACHMEIER3 | PO BOX 66 NORTHWOOD, ND 58267 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 1.31% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 7825 WASHINGTON AVE S STE 425 BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 1.01% |
| MICHAEL D EVANS JR3 | 113 5TH ST SE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.45% |
| SHAWN D BENSER3 Filed as: SHAWN BENSER | 4840 AMBER VALLEY PARKWAY STE C FARGO, ND 58104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.40% |
| MICKIE DEPAOLIS3 | 409 OAK ROAD PORTLAND, ND 58274 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.25% |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH ST SE WATERTOWN, SD 57201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.15% |
| BRADY WEISENBERGER3 | 2102 26 1/2 COURT S FARGO, ND 58103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.10% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 302 | $1.2M |
| Dental | DELTA DENTAL OF MINNESOTA | 270 | $96K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 180 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $31K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $69K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.