| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICK GREENER3 | 1019 5TH AVE SOUTH FARGO, ND 58103 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| RICK GREENER3 | 1019 5TH AVE SOUTH FARGO, ND 58103 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| RICK GREENER3 | 1019 5TH AVE SOUTH 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 | $375 | — | $375 | 10.43% |
| MILISSA VAN EPS3 | 1223 RHINEHARD DR SE EAST GRAND FORKS, MN 56721 | USABLE LIFE | $46 | — | $46 | 1.28% |
| DEBORAH KOLLING3 | 2802 PRAIRIE ROAD GRAND FORKS, ND 58201 | USABLE LIFE | $14 | — | $14 | 0.39% |
| LORI TOROK3 | 515 GOODWIN AVE THOMPSON, ND 58278 | USABLE LIFE | $14 | — | $14 | 0.39% |
| DONALD KRAMER3 | 1096 10TH AVENUE NE THOMPSON, ND 58278 | USABLE LIFE | $8 | — | $8 | 0.22% |
| MARGARET BRYANT3 Filed as: MARGARET PEDERSON-HENDERSON | 3108 26TH AVE S FARGO, ND 58103 | USABLE LIFE | $7 | — | $7 | 0.19% |
| RICK GREENER3 | 1019 5TH AVE SOUTH FARGO, ND 58103 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $428 | — | $428 | 14.99% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $21 | — | $21 | 9.81% |
| DEBORAH KOLLING3 | 2802 PRAIRIE ROAD GRAND FORKS, ND 58201 | USABLE LIFE | $2 | — | $2 | 0.93% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ND | 319 | $592K |
| Dental | BLUE CROSS BLUE SHIELD OF ND | 332 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF ND | 312 | $0 |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $19K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $21K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $16K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 147 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
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.