| 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 | $22K | — | $22K | 6.30% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 55101 | DELTA DENTAL OF MINNESOTA | $12K | — | $12K | 3.55% |
| DIRECT BENEFITS INC3 | 55 E 5TH ST STE 500 ST PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 1.26% |
| AZURANCE GROUP3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 10.51% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 7.28% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.96% |
| AZURANCE GROUP3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 11.91% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.91% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $611 | $611 | 0.93% |
| AZURANCE GROUP3 | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $346 | $10K | 18.45% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $256 | — | $256 | 0.48% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2 | $2 | 0.00% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $4K | — | $4K | 22.61% |
| JULIE SLAUGHTER3 Filed as: JULIE SCHIRADO | 2500 14TH AVENUE SE MANDAN, ND 58554 | USABLE LIFE | $14 | — | $14 | 0.08% |
| LOLANDA GORZE3 | 600 21ST ST NW MINOT, ND 58703 | USABLE LIFE | $4 | — | $4 | 0.02% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 732 | $345K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $229K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $163K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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.