| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF ND | $61K | — | $61K | 2.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| GAIL PLUMMER3 | 4372 43RD AVE SOUTH FARGO, ND 58104 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $5K | $53 | $5K | 10.95% |
| TERI L SWARTZENDRUBER3 | 4130 GIRARD AVE N MINNEAPOLIS, MN 55412 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $243 | $135 | $378 | 0.84% |
| COORDINATED BENEFIT ADVISORS3 | 600 US 169 ST LOUIS PARK, MN 55426 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $123 | $111 | $234 | 0.52% |
| JON SCOTT SWARTZENDRUBER3 | 600 HWY 169 SOUTH MINNEAPOLIS, MN 55426 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $137 | — | $137 | 0.30% |
| REBECCA COSTE3 | 619 5TH ST E WEST FARGO, ND 58078 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $129 | — | $129 | 0.29% |
| ZACHARY M SWARTZENDRUBER3 Filed as: ZACHARY M. SWARTZENDRUBER | 600 US 169 ST LOUIS PARK, MN 55426 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $98 | $15 | $113 | 0.25% |
| CASCADE PROFESSIONAL CENTER3 | 100 FINANCIAL DRIVE #110 KALISPELL, MT 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.88% |
| CASCADE PROFESSIONAL CENTER3 | 100 FINANCIAL DRIVE #110 KALISPELL, MT 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $727 | $2K | 15.00% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ND | 540 | $3.1M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA (DENTAL) | 533 | $173K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 235 | $55K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 372 | $89K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 372 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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."
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.