| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | UNKNOWN FARGO, ND 58104 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $27K | $0 | $27K | 1.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MIRACLE HILLS DRIVE SUITE 102 OMAHA, NE 68154 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $5K | $27K | 18.12% |
| SLOANE MUEHILER3 | 3168 41ST STREET SOUTH, SUITE 3 FARGO, ND 58104 | AFLAC | $5K | $245 | $6K | 9.10% |
| THOMAS J CASSADY3 Filed as: THOMAS J. CASSADY | 1307 NP AVENUE NORTH FARGO, ND 58102 | AFLAC | $985 | $59 | $1K | 1.66% |
| KIMBERLA KAY LUCIER & OTHER AGENTS3 | 2915 BLUESTEM DRIVE APARTMENT 1144 WEST FARGO, ND 58078 | AFLAC | $999 | $0 | $999 | 1.59% |
| FAITH M. DELANCY3 | 3168 41ST STREET SOUTH, SUITE 3 FARGO, ND 58104 | AFLAC | $373 | $47 | $420 | 0.67% |
| BLAIR JAMES STELTER3 | 1328 SOMMERSET DRIVE WEST FARGO, ND 58078 | AFLAC | $311 | $0 | $311 | 0.49% |
| SHAWN D BENSER3 Filed as: SHAWN D. BENSER | 422 SEQUOIA DRIVE MAPLETON, ND 58059 | AFLAC | $259 | $0 | $259 | 0.41% |
| AMBER MUSKE3 Filed as: AMBER N. MUSKE | 11769 31ST STREET SE VALLEY CITY, ND 58072 | AFLAC | $138 | $0 | $138 | 0.22% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 190 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $149K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $149K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $149K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $149K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $149K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 190 | $1.6M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 190 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.