| 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 | $8K | — | $8K | 8.64% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC | 55 EAST 5TH STREET SUITE 500 SAINT PAUL, MN 55101 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 2.59% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP INC. | 4510 13TH AVE SW FARGO, ND 58121 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 16.21% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS, INC | 7900 INTERNATIONAL DRIVE #1040 BLOOMINGTON, MN 55425 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 8.10% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MINNESOTA | 323 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.