| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 9394 W DODGE RD STE 250 OMAHA, NE 68114 | SANFORD HEALTH PLAN | $50K | — | $50K | 3.00% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | N27 W23953 PAUL ROAD SUITE 200 PEWAUKEE, WI 53072 | COMPANION LIFE | $7K | — | $7K | 22.00% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | N27 W23953 PAUL ROAD SUITE 200 PEWAUKEE, WI 53072 | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 16.41% |
| CHAD SCHULER4 | 812 N 19TH ST BISMARCK, ND 58501 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.01% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP, DBA NORIDIAN INS | 4510 13TH AVE SW FARGO, ND 58121 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.95% |
| USI INSURANCE SERVICES LLC3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.96% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 325 CEDAR ST, STE 800 ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $383 | — | $383 | 1.61% |
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 | 142 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 225 | $1.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 205 | $24K |
| Life insurance | COMPANION LIFE | 135 | $33K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE | 135 | $58K |
| Other | COMPANION LIFE | 135 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.