| 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 | $72K | — | $72K | 1.75% |
| GAIL PLUMMER3 | 4372 43RD AVE S FARGO, ND 58104 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $4K | — | $4K | 8.85% |
| TERI L SWARTZENDRUBER3 | 1805 5TH AVE ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $192 | — | $192 | 0.47% |
| ZACHARY M SWARTZENDRUBER3 Filed as: ZACHARY M. SWARTZENDRUBER | 14128 BARIUM ST NW ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $176 | — | $176 | 0.43% |
| JON SCOTT SWARTZENDRUBER3 | 1805 5TH AVE ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $72 | — | $72 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 100 FINANCIAL DRIVE #110 KALISPELL, MT 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.97% |
| 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 S FARGO, ND 58104 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 13.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 100 FINANCIAL DRIVE #110 KALISPELL, MT 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.54% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $139 | — | $139 | 20.75% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $17 | — | $17 | 3.98% |
| JULIE SLAUGHTER3 Filed as: JULIE SCHIRADO | 2500 14TH AVENUE SE MANDAN, ND 58554 | USABLE LIFE | $4 | — | $4 | 0.94% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 548 | $4.1M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 602 | $210K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 549 | $55K |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 431 | $124K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 22 | $16K |
| Other(5 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 431 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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.