| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FARMERS UNION SERVICE ASSOCIATION3 | 2102 26 1/2 CT S FARGO, ND 58103 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 2.26% |
| HUGUELET III, JOE E3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.56% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.44% |
| CARUTH, JENNON, M3 | STE 710 7825 WASHINGTON AVE S BLOOMINGTON, MN 55439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $208 | $3K | 6.02% |
| HUGUELET III, JOE E3 Filed as: HUGUELET, JOE, EDWARD | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.76% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.26% |
| HUGUELET III, JOE E3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.75% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.25% |
| CARUTH, JENNON, M3 | STE 710 7825 WASHINGTON AVE S BLOOMINGTON, MN 55439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $115 | $3K | 10.92% |
| HUGUELET III, JOE E3 Filed as: HUGUELET, JOE, EDWARD | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.95% |
| JOSEPH EDWARD HUGUELET III3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | VISION SERVICE PLAN | $1K | — | $1K | 5.06% |
| FARMERS UNION SVC ASSOC LTD3 | 3801 MEMORIAL HWY STE C MANDAN, ND 58554 | VISION SERVICE PLAN | $1K | — | $1K | 4.93% |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 322 | $1.6M |
| Dental | DELTA DENTAL OF MINNESOTA | 287 | $125K |
| Vision | VISION SERVICE PLAN | 122 | $21K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $52K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $84K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $84K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.