| 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 | $28K | — | $28K | 9.80% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP AGENCY | 55 5TH ST E STE 500 SAINT PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 1.50% |
| DIRECT BENEFITS INC3 | 55 E 5TH ST STE 500 ST PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $1K | — | $1K | 0.46% |
| AZURANCE GROUP3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 16.89% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVENUE SOUTH FARGO, ND 58121 | FIDELITY SECURTY LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| DIRECT BENEFITS INC3 | 325 CEDAR STREET STE 800 SAINT PAUL, MN 55101 | FIDELITY SECURTY LIFE INSURANCE COMPANY | $5K | — | $5K | 6.00% |
| AZURANCE GROUP3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $480 | $10K | 21.56% |
| AZURANCE GROUP3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 19.00% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $2K | — | $2K | 17.47% |
| JULIE SLAUGHTER3 Filed as: JULIE SCHIRADO | 2500 14TH AVENUE SE MANDAN, ND 58554 | USABLE LIFE | $12 | — | $12 | 0.12% |
| LOLANDA GORZE3 | 600 21ST ST NW MINOT, ND 58703 | USABLE LIFE | $4 | — | $4 | 0.04% |
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 | 439 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 761 | $250K |
| Dental | DELTA DENTAL OF MINNESOTA | 614 | $281K |
| Vision | FIDELITY SECURTY LIFE INSURANCE COMPANY | 446 | $78K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $153K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $105K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 761 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.