| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVENUE SW FARGO, ND 58121 | DELTA DENTAL OF MINNESOTA | $17K | — | $17K | 10.38% |
| DIRECT BENEFITS INC3 | SUITE 800 325 CEDAR ST ST PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 1.95% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 19.73% |
| NORIDIAN INSURANCE SERVICES INC | 4510 13TH AVENUE SW FARGO, ND 58121 | FIDELITY SECURTY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.98% |
| DIRECT BENEFITS INC | 325 CEDAR STREET STE 800 SAINT PAUL, MN 55101 | FIDELITY SECURTY LIFE INSURANCE COMPANY | $3K | — | $3K | 5.99% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 29.06% |
| GUCKERT, HUGO, CHRISTOPHER3 | STE 310 4500 BLACK ROCK ROAD HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.32% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 19.00% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $6K | — | $6K | 37.67% |
| JULIE SLAUGHTER3 Filed as: JULIE SCHIRADO | 2500 14TH AVENUE SE MANDAN, ND 58554 | USABLE LIFE | $1K | — | $1K | 8.75% |
| MITCHEL KUDRNA3 | 919 20TH ST W DICKINSON, ND 58601 | USABLE LIFE | $34 | — | $34 | 0.21% |
| LOLANDA GORZE3 | 2308 4TH AVE SW MINOT, ND 58701 | USABLE LIFE | $4 | — | $4 | 0.02% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $6K | — | $6K | 41.72% |
| JULIE SLAUGHTER3 Filed as: JULIE SCHIRADO | 2500 14TH AVENUE SE MANDAN, ND 58554 | USABLE LIFE | $2K | — | $2K | 11.29% |
| MITCHEL KUDRNA3 | 919 20TH ST W DICKINSON, ND 58601 | USABLE LIFE | $16 | — | $16 | 0.12% |
| LOLANDA GORZE3 | 2308 4TH AVE SW MINOT, ND 58701 | USABLE LIFE | $8 | — | $8 | 0.06% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN INSURANCE SERVICES | 4510 13TH AVE SW FARGO, ND 58121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $938 | — | $938 | 12.48% |
| GUCKERT, HUGO, CHRISTOPHER3 | STE 310 4500 BLACK ROCK ROAD HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $606 | — | $606 | 8.06% |
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 | 491 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 491 | $597K |
| Dental | DELTA DENTAL OF MINNESOTA | 422 | $164K |
| Vision | FIDELITY SECURTY LIFE INSURANCE COMPANY | 323 | $44K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $144K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $137K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.