| 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 | $567 | — | $567 | 3.07% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $416 | — | $416 | 4.81% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVE S, STE 710 BLOOMINGTON, MN 55439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $277 | $24 | $301 | 3.48% |
| HUGUELET III, JOE E3 | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $185 | — | $185 | 2.14% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $711 | — | $711 | 15.00% |
| FARMERS UNION SVC ASSOC LTD3 | 3801 MEMORIAL HWY STE C MANDAN, ND 585546302 | VISION SERVICE PLAN | $346 | — | $346 | 10.22% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVE S, STE 710 BLOOMINGTON, MN 55439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $287 | $17 | $304 | 23.08% |
| JOE HUGUELET3 Filed as: JOE E HUGUELET | 11294 BIRCH ISLAND ROAD EAST GULL LAKE, MN 56401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 14.58% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 286 | $1.5M |
| Dental | DELTA DENTAL OF MINNESOTA | 282 | $18K |
| Vision | VISION SERVICE PLAN | 119 | $3K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 84 | $6K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $14K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.