| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVENUE SW FARGO, ND 58121 | DELTA DENTAL OF MINNESOTA | $20K | — | $20K | 10.78% |
| DIRECT BENEFITS INC3 | SUITE 800 325 CEDAR ST ST PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 2.16% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 19.00% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 16.73% |
| GUCKERT, HUGO, CHRISTOPHER3 | STE 310 4500 BLACK ROCK ROAD HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.97% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVENUE SW FARGO, ND 58121 | FIDELITY SECURTY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.01% |
| DIRECT BENEFITS INC3 | 325 CEDAR STREET STE 800 SAINT PAUL, MN 55101 | FIDELITY SECURTY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.01% |
| 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 | $4K | — | $4K | 27.83% |
| JULIE SLAUGHTER3 Filed as: JULIE SCHIRADO | 2500 14TH AVENUE SE MANDAN, ND 58554 | USABLE LIFE | $136 | — | $136 | 0.87% |
| LOLANDA GORZE3 | 2308 4TH AVE SW MINOT, ND 58701 | USABLE LIFE | $4 | — | $4 | 0.03% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $5K | — | $5K | 38.26% |
| JULIE SLAUGHTER3 Filed as: JULIE SCHIRADO | 2500 14TH AVENUE SE MANDAN, ND 58554 | USABLE LIFE | $362 | — | $362 | 2.60% |
| LOLANDA GORZE3 | 2308 4TH AVE SW MINOT, ND 58701 | USABLE LIFE | $4 | — | $4 | 0.03% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN INSURANCE SERVICES | 4510 13TH AVE SW FARGO, ND 58121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 3.35% |
| GUCKERT, HUGO, CHRISTOPHER3 | STE 310 4500 BLACK ROCK ROAD HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 3.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS NONE | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $7K |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | 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 | 458 | $176K |
| Dental | DELTA DENTAL OF MINNESOTA | 380 | $187K |
| Vision | FIDELITY SECURTY LIFE INSURANCE COMPANY | 285 | $41K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $148K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $141K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 300 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.