| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | SANFORD HEALTH PLAN | $77K | — | $77K | 2.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $19K | — | $19K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $5K | — | $5K | 10.00% |
| GAIL PLUMMER3 | 4372 43RD AVE SOUTH FARGO, ND 58104 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4K | — | $4K | 8.64% |
| ZACHARY M SWARTZENDRUBER3 Filed as: ZACHARY M. SWARTZENDRUBER | 14128 BARIUM ST NW ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $166 | $42 | $208 | 0.50% |
| TERI L SWARTZENDRUBER3 | 1805 5TH AVE ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $185 | $2 | $187 | 0.45% |
| JON SCOTT SWARTZENDRUBER3 | 1805 5TH AVE ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $91 | — | $91 | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 100 FINANCIAL DRIVE #110 KALISPELL, MT 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.00% |
| GAIL PLUMMER3 | 4372 43RD AVE SOUTH FARGO, ND 58104 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 475 | $3.9M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 507 | $187K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 475 | $53K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 170 | $70K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 24 | $15K |
| Other | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 48 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.