| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $9K | — | $9K | 0.57% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $2K | — | $2K | 0.14% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES INC | 401 DATA COURT DUBUQUE, IA 52003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $367 | $5K | 5.44% |
| VAALER INSURANCE INC3 | PO BOX 12848 2701 S COLUMBIA RD GRAND FORKS, ND 58201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.24% |
| VAALER INSURANCE INC3 | PO BOX 12848 2701 S COLUMBIA RD GRAND FORKS, ND 58201 | STARMOUNT LIFE INSURANCE COMPANY | $9K | — | $9K | 10.86% |
| VAALER INSURANCE INC3 | PO BOX 12848 2701 S COLUMBIA RD GRAND FORKS, ND 58201 | UNUM INSURANCE COMPANY | $4K | — | $4K | 8.49% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES INC | 401 DATA COURT DUBUQUE, IA 52003 | UNUM INSURANCE COMPANY | $3K | $314 | $3K | 7.27% |
| ASSUREDPARTNERS3 Filed as: KUNKEL & ASSOCIATES INC | 401 DATA COURT DUBUQUE, IA 52003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $289 | $3K | 8.48% |
| VAALER INSURANCE INC3 | PO BOX 12848 2701 S COLUMBIA RD GRAND FORKS, ND 58201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.07% |
| VAALER INSURANCE INC3 | PO BOX 12848 2701 S COLUMBIA RD GRAND FORKS, ND 58201 | UNUM INSURANCE COMPANY | $2K | — | $2K | 10.89% |
| VAALER INSURANCE INC3 | PO BOX 12848 2701 S COLUMBIA RD GRAND FORKS, ND 58201 | UNUM INSURANCE COMPANY | $1K | — | $1K | 10.65% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 228 | $1.6M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 125 | $81K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 125 | $81K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $101K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $101K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $101K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.