| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13 AVE S FARGO, ND 581211000 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 5.20% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOUX FALLS, SD 571175113 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $951 | $951 | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 5113 SIOX FALLS, SD 571175113 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.68% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13 AVE S FARGO, ND 581211000 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $245 | $245 | 0.89% |
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 | 329 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF NORTH DAKOTA | 329 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $109K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $27K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHEILD OF NORTH DAKOTA | 329 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.