| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL-ANDERSON AGENCY INC3 Filed as: BELL INSURANCE SERVICES, LLC | 318 BROADWAY NORTH FARGO, ND 58102 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.95% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVENUE SOUTH FARGO, ND 58121 | PRINCIPAL LIFE INSURANCE COMPANY | $787 | $0 | $787 | 1.00% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL INSURANCE SERVICES, LLC | PO BOX 1470 FARGO, ND 58107 | STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.76% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 2010 CENTRE POINTE BLVD MENDOTA HEIGHT, MN 55120 | STANDARD LIFE INSURANCE COMPANY | $274 | $0 | $274 | 0.98% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL INSURANCE SERVICES, LLC | 318 BROADWAY NORTH FARGO, ND 58107 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP, INC. | 4510 13TH AVENUE SOUTH FARGO, ND 58121 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $323 | $0 | $323 | 1.60% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 10405 6TH AVENUE NORTH, SUITE 300 PLYMOUTH, MN 55441 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $134 | $0 | $134 | 0.66% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 245 | $684K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 232 | $79K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 173 | $20K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 96 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 245 | $684K |
| Other | STANDARD LIFE INSURANCE COMPANY | 96 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.