| 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 | $4K | $0 | $4K | 5.28% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP, INC. | 4510 13TH AVENUE SOUTH FARGO, ND 58121 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.76% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL INSURANCE SERVICES, LLC | PO BOX 1470 FARGO, ND 58107 | STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.56% |
| 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 | $445 | $0 | $445 | 2.00% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 262 | $577K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 255 | $81K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 206 | $22K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 127 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 262 | $577K |
| Other | STANDARD LIFE INSURANCE COMPANY | 127 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.