| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAIL PLUMMER3 | 4372 43RD AVE SOUTH FARGO, ND 58104 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $3K | $87 | $3K | 7.48% |
| SCOTT SWARTZENDRUBER3 | 600 HWY 169 SOUTH MINNEAPOLIS, MN 55426 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $367 | $62 | $429 | 1.04% |
| REBECCA COSTE3 | 619 5TH ST E WEST FARGO, ND 58078 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $143 | — | $143 | 0.35% |
| CASCADE PROFESSIONAL CENTER3 | 100 FINANCIAL DRIVE #110 KALISPELL, MT 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.73% |
| CASCADE PROFESSIONAL CENTER3 | 100 FINANCIAL DRIVE #110 KALISPELL, MT 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $971 | — | $971 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ND EIN 45-0173185 NONE | Contract Administrator Service code 13 | — | $401K |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ND | 510 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA (DENTAL) | 495 | $167K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA (VISION) | 464 | $40K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 359 | $83K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 359 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.