| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDDAUGH BENEFITS CONSULTING INC3 Filed as: MIDDAUGH & ASSOCIATES INC | 1019 5TH AVE SOUTH FARGO, ND 58103 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| MIDDAUGH BENEFITS CONSULTING INC3 Filed as: MIDDAUGH & ASSOCIATES INC | 1019 5TH AVE SOUTH FARGO, ND 58103 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| MIDDAUGH BENEFITS CONSULTING INC3 Filed as: MIDDAUGH & ASSOCIATES INC | 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 | $182 | — | $182 | 6.66% |
| LORI TOROK3 | 515 GOODWIN AVE THOMPSON, ND 58278 | USABLE LIFE | $14 | — | $14 | 0.51% |
| DEBORAH KOLLING3 | 2802 PRAIRIE RD GRAND FORKS, ND 58201 | USABLE LIFE | $11 | — | $11 | 0.40% |
| MELISSA VAN EPS3 | 1223 RHINEHART DR SE EAST GRAND FORKS, MN 56721 | USABLE LIFE | $4 | — | $4 | 0.15% |
| MARGARET BRYANT3 Filed as: MARGARET PEDERSON-HENDERSON | 3108 26TH AVE S FARGO, ND 58103 | USABLE LIFE | $2 | — | $2 | 0.07% |
| MIDDAUGH BENEFITS CONSULTING INC3 Filed as: MIDDAUGH & ASSOCIATES INC | 1019 5TH AVE SOUTH FARGO, ND 58103 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $356 | — | $356 | 14.98% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $19 | — | $19 | 8.88% |
| DEBORAH KOLLING3 | 2802 PRAIRIE RD 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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ND | 314 | $602K |
| Dental | BLUE CROSS BLUE SHIELD OF ND | 321 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF ND | 297 | $0 |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $16K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $18K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $14K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 180 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.