| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE JAMESTOWN, ND 58401 | HEALTH PARTNERS INSURANCE COMPANY | — | $27K | $27K | 2.44% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE JAMESTOWN, ND 58401 | HEALTH PARTNERS INSURANCE COMPANY | — | $13K | $13K | 1.15% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 8.81% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.43% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 4.41% |
| FARMERS UNION SERVICE ASSOCIATION | 1415 12TH AVE SE JAMESTOWN, ND 584015956 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $6K | — | $6K | 15.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | — | $2K | $2K | 4.00% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE JAMESTOWN, ND 584015956 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $6K | — | $6K | 15.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | — | $1K | $1K | 4.00% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE JAMESTOWN, ND 584015956 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $5K | — | $5K | 15.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | — | $1K | $1K | 4.00% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 17.67% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $244 | $1K | 5.44% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.42% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.38% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $793 | $183 | $976 | 5.16% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $793 | $793 | 4.19% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $532 | $122 | $654 | 4.63% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $532 | $532 | 3.76% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 18.94% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $638 | $148 | $786 | 5.83% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $638 | $638 | 4.73% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTH PARTNERS INSURANCE COMPANY | 334 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $100K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $19K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 157 | $35K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 144 | $37K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 132 | $43K |
| Other(4 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 181 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.