| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FARMERS UNION SERVICE ASSOCIATION3 Filed as: FARMERS UNION | 1415 12TH AVENUE SE JAMESTOWN, ND 58401 | EQUITABLE | $6K | — | $6K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | PO BOX 1806 SAN ANTONIO, TX 782961806 | EQUITABLE | $3K | — | $3K | 4.82% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $3K | $3K | 4.00% |
| FARMERS UNION SERVICE ASSOCIATION3 Filed as: FARMERS UNION | 1415 12TH AVENUE SE JAMESTOWN, ND 58401 | EQUITABLE | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | PO BOX 1806 SAN ANTONIO, TX 782961806 | EQUITABLE | $1K | — | $1K | 4.44% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $1K | $1K | 4.00% |
| FARMERS UNION SERVICE ASSOCIATION3 Filed as: FARMERS UNION | 1415 12TH AVENUE SE JAMESTOWN, ND 58401 | EQUITABLE | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | PO BOX 1806 SAN ANTONIO, TX 782961806 | EQUITABLE | $1K | — | $1K | 4.97% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $913 | $913 | 4.00% |
| FARMERS UNION SERVICE ASSOCIATION3 Filed as: FARMERS UNION | 1415 12TH AVENUE SE JAMESTOWN, ND 58401 | EQUITABLE | $3K | — | $3K | 14.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | PO BOX 1806 SAN ANTONIO, TX 782961806 | EQUITABLE | $881 | — | $881 | 4.98% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $709 | $709 | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MIRACLE HILLS DR SUITE 102 OMAHA, NE 68154 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $366 | $2K | 12.88% |
| FINANCIAL ARCHITECTS, INC.4 | 12345 UNVERSITY AVE STE 200 CLIVE, IA 50325 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.05% |
| FARMERS UNION SERVICE ASSOCIATION3 Filed as: FARMERS UNION | 1415 12TH AVENUE SE JAMESTOWN, ND 58401 | EQUITABLE | $2K | — | $2K | 15.05% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | PO BOX 1806 SAN ANTONIO, TX 782961806 | EQUITABLE | $599 | — | $599 | 4.91% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $488 | $488 | 4.00% |
| FARMERS UNION SERVICE ASSOCIATION3 Filed as: FARMERS UNION | 1415 12TH AVENUE SE JAMESTOWN, ND 58401 | EQUITABLE | $991 | — | $991 | 10.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | PO BOX 1806 SAN ANTONIO, TX 782961806 | EQUITABLE | $492 | — | $492 | 4.97% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $395 | $395 | 3.99% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 165 | $537K |
| Dental | EQUITABLE | 82 | $64K |
| Vision | EQUITABLE | 70 | $10K |
| Life insurance(2 contracts) | EQUITABLE | 108 | $38K |
| Short-term disability | EQUITABLE | 104 | $23K |
| Long-term disability | EQUITABLE | 104 | $18K |
| Other(3 contracts, 2 carriers) | EQUITABLE | 108 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.