| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN | 4510 13TH AVE. SW FARGO, ND 581210001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $113K | $113K | 19.00% |
| AZURANCE GROUP3 Filed as: AZURANCE GROUP, INC. | 4510 13TH AVENUE S. FARGO, ND 58103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS INC. | 55 EAST 5TH ST. SUITE 500 ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 6.00% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN | 4510 13TH AVE. SW FARGO, ND 581210001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 19.00% |
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 | 1,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,095 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 560 | $87K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,090 | $683K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,090 | $596K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,090 | $683K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,090 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.