| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | DDMN ASO, LLC | $8K | — | $8K | 6.84% |
| DIRECT BENEFITS INC5 | 55 E 5TH ST ST PAUL, MN 55101 | DDMN ASO, LLC | $2K | — | $2K | 1.37% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 20.82% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 2010 CENTRE POINT BLVD MENDOTA HEIGHTS, MN 55120 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 2010 CENTRE POINT BLVD MENDOTA HEIGHTS, MN 55120 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 22.05% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC ATTN CARI HINTGE | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $135 | — | $135 | 4.94% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 2010 CENTRE POINT BLVD MENDOTA HEIGHTS, MN 55120 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $177 | — | $177 | 14.96% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC ATTN CARI HINTGE | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $9 | — | $9 | 4.21% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ND | 304 | $740K |
| Dental | DDMN ASO, LLC | 316 | $120K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 133 | $19K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $15K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 169 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.