| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 58102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $0 | $16K | 19.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $781 | $781 | 0.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 58102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 9.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $655 | $655 | 0.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 58102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 14.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $613 | $613 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 58102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $730 | $0 | $730 | 14.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $49 | $49 | 1.00% |
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 | 363 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 599 | $4.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $57K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 363 | $79K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $71K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 363 | $61K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 363 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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.