| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICK GREENER3 | 2700 12 AVE SO STE A FARGO, ND 58103 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| RICK GREENER3 | 2700 12 AVE SO STE A FARGO, ND 58103 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| RICK GREENER3 | 2700 12 AVE SO STE A FARGO, ND 58103 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $464 | — | $464 | 12.91% |
| RICK GREENER3 | 2700 12 AVE SO STE A FARGO, ND 58103 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $342 | — | $342 | 15.00% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $23 | — | $23 | 10.75% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ND | 333 | $495K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $16K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $15K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $13K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 199 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.