| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC. | 4510 13TH AVE SW FARGO, ND 58121 | DELTA DENTAL OF MINNESOTA | $7K | — | $7K | 4.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF MINNESOTA | $7K | — | $7K | 4.17% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 7900 INTERNATIONAL DRIVE #1040 BLOOMINGTON, MN 55424 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 1.16% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC. | 55 EAST 5TH STRET SUITE 500 SAINT PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN INSURANCE | 4510 13TH AVENUE SOUTH FARGO, ND 58121 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.58% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | 6050 OAK TREE BLVD SUITE 500 CLEVELAND, OH 44131 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.42% |
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 | 222 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 367 | $159K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 322 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.