| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | UNKNOWN FARGO, ND 58107 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $23K | $0 | $23K | 4.51% |
| MIDDAUGH BENEFITS CONSULTING INC3 Filed as: MIDDAUGH & ASSOCIATES, INC. | UNKNOWN FARGO, ND 58107 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $4K | $0 | $4K | 0.82% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 1045 76TH STREET, SUITE 4000 WEST DES MOINES, IA 50266 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 6.29% |
| MIDDAUGH BENEFITS CONSULTING INC3 Filed as: MIDDAUGH BENEFITS CONSULTING | 1019 5TH AVE SOUTH FARGO, ND 58103 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.93% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 2010 CENTRE POINTE BOULEVARD MENDOTA HEIGHT, MN 55120 | STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.03% |
| DAVID A MIDDAUGH3 Filed as: DAVID MIDDAUGH | PO BOX 2543 FARGO, ND 58108 | STANDARD LIFE INSURANCE COMPANY | $625 | $0 | $625 | 2.76% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 10405 6TH AVENUE NORTH, SUITE 300 PLYMOUTH, MN 55441 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.97% |
| MIDDAUGH BENEFITS CONSULTING INC3 Filed as: MIDDAUGH BENEFITS CONSULTING | 1019 5TH AVENUE SOUTH FARGO, ND 58103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $481 | $0 | $481 | 3.01% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 220 | $507K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 215 | $63K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 148 | $16K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 72 | $23K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 220 | $507K |
| Other | STANDARD LIFE INSURANCE COMPANY | 72 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.