| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $0 | $20K | $20K | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 58102 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $18K | $0 | $18K | 23.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 58102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 9.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $772 | $772 | 1.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 58102 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $11K | $0 | $11K | 17.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 58102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 19.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 2.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 58102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 14.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $885 | $885 | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 58102 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $805 | $0 | $805 | 17.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY N SUITE 100 FARGO, ND 58102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $356 | $0 | $356 | 14.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $65 | $65 | 2.66% |
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 | 496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 589 | $3.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $53K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 496 | $115K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $65K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 386 | $92K |
| Other(3 contracts, 3 carriers) | TELUS HEALTH (US) LTD. | 496 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.