| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | — | $38K | 5.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 0.94% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69K | — | $69K | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $10K | $28K | 8.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | — | $30K | 15.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $6K | $16K | 8.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 12.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $4K | $11K | 8.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $4K | $10K | 8.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $6K | 8.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET, SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $614 | $2K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ND EIN 45-0173185 ADMINISTRATION | Contract Administrator Service code 13 | — | $516K |
| PRIME THERAPEUTICS ADMINISTRATION | Other fees Service code 99 | 1305 CORPORATE CENTER DR. EAGAN, MN 55121 | $0 |
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 | 1,347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 1,964 | $2.4M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,283 | $765K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,283 | $765K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,259 | $345K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 388 | $203K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 313 | $140K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,259 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,283 | — |
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.