| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVENUE S FARGO, ND 58121 | DELTA DENTAL OF MINNESOTA | $24K | — | $24K | 10.85% |
| DIRECT BENEFITS INC3 | SUITE 800 325 CEDAR ST ST PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 2.17% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.54% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVENUE SW FARGO, ND 58121 | FIDELITY SECURTY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| DIRECT BENEFITS INC3 | 325 CEDAR STREET STE 800 SAINT PAUL, MN 55101 | FIDELITY SECURTY LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 19.42% |
| GUCKERT, HUGO, CHRISTOPHER3 | STE 310 4500 BLACK ROCK ROAD HAMPSTEAD, MD 21074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $617 | — | $617 | 1.58% |
| NORIDIAN INSURANCE SERVICES INC3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 19.00% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $4K | — | $4K | 26.14% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $3K | — | $3K | 24.03% |
| GUCKERT, HUGO, CHRISTOPHER3 | STE 310 4500 BLACK ROCK ROAD HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 3.01% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN INSURANCE SERVICES | 4510 13TH AVE SW FARGO, ND 58121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS NONE | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $11K |
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 | 707 | 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) | 707 | 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 | 707 | $272K |
| Dental | DELTA DENTAL OF MINNESOTA | 525 | $224K |
| Vision | FIDELITY SECURTY LIFE INSURANCE COMPANY | 399 | $57K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $182K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $176K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.