| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORIDIAN INSURANCE SERVICES INC3 | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.79% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP -DBA HAYS COMPANI | — | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.45% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.02% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.07% |
| NORIDIAN INSURANCE SERVICES INC3 | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $2K | — | $2K | 11.53% |
| MARGARET BRYANT3 Filed as: MARGARET PEDERSON-HENDERSON | — | USABLE LIFE | $281 | — | $281 | 1.45% |
| DONALD KRAMER3 | — | USABLE LIFE | $41 | — | $41 | 0.21% |
| DEBORAH KOLLING3 | — | USABLE LIFE | $32 | — | $32 | 0.17% |
| AME C EKSTROM3 Filed as: AME REILING | — | USABLE LIFE | $26 | — | $26 | 0.13% |
| LOLANDA GORZE3 | — | USABLE LIFE | $23 | — | $23 | 0.12% |
| CHRISTINE MARTEL3 | — | USABLE LIFE | $21 | — | $21 | 0.11% |
| JUDY HANSEN3 | — | USABLE LIFE | $10 | — | $10 | 0.05% |
| RHONDA S PAPE3 Filed as: RHONDA KELLY | — | USABLE LIFE | $3 | — | $3 | 0.02% |
| LORI LAINE3 Filed as: LORI TORO | — | USABLE LIFE | $2 | — | $2 | 0.01% |
| NORIDIAN INSURANCE SERVICES INC3 | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $4K | — | $4K | 20.01% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN INSURANCE SERVICES | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $2K | — | $2K | 14.61% |
| MARGARET BRYANT3 Filed as: MARGARET PEDERSON-HENDERSON | — | USABLE LIFE | $227 | — | $227 | 1.96% |
| DONALD KRAMER3 | — | USABLE LIFE | $35 | — | $35 | 0.30% |
| LOLANDA GORZE3 | — | USABLE LIFE | $26 | — | $26 | 0.22% |
| DEBORAH KOLLING3 | — | USABLE LIFE | $21 | — | $21 | 0.18% |
| JUDY HANSEN3 | — | USABLE LIFE | $9 | — | $9 | 0.08% |
| CHRISTINE MARTEL3 | — | USABLE LIFE | $4 | — | $4 | 0.03% |
| JULIE SLAUGHTER3 Filed as: JULIE SCHIRADO | — | USABLE LIFE | $4 | — | $4 | 0.03% |
| RHONDA S PAPE3 Filed as: RHONDA KELLY | — | USABLE LIFE | $3 | — | $3 | 0.03% |
| AME C EKSTROM3 Filed as: AME REILING | — | USABLE LIFE | $2 | — | $2 | 0.02% |
| KYLE RUSSEY3 Filed as: KYLE AGRE | — | USABLE LIFE | $2 | — | $2 | 0.02% |
| NORIDIAN INSURANCE SERVICES INC3 | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $101 | — | $101 | 7.88% |
| DEBORAH KOLLING3 | — | USABLE LIFE | $7 | — | $7 | 0.55% |
| CHRISTINE MARTEL3 | — | USABLE LIFE | $4 | — | $4 | 0.31% |
| MARGARET BRYANT3 Filed as: MARGARET PEDERSON-HENDERSON | — | USABLE LIFE | $4 | — | $4 | 0.31% |
| NORIDIAN INSURANCE SERVICES INC3 | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $5 | — | $5 | 0.99% |
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 | 433 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 260 | $199K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 387 | $39K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $60K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $78K |
| Other(3 contracts) | USABLE LIFE | 67 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.