| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORIDIAN INSURANCE SERVICES INC | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58108 | USABLE LIFE | $3K | $190 | $3K | 21.49% |
| NORIDIAN INSURANCE SERVICES INC | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $2K | $126 | $2K | 18.32% |
| MIDDAUGH BENEFITS CONSULTING INC | PO BOX 2543 FARGO, ND 58108 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $4K | — | $4K | — |
| NORIDIAN INSURANCE SERVICES INC | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58108 | USABLE LIFE | $129 | $11 | $140 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $0 |
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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 346 | $586K |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 349 | $0 |
| Life insurance(3 contracts) | USABLE LIFE | 255 | $22K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 346 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.