| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AZURANCE GROUP Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | — |
| AZURANCE GROUP Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | UNUM INSURANCE COMPANY | $7K | — | $7K | — |
| MITCHEL KUDRNA | 2632 MCLEOD DRIVE WEST FARGO, ND 58078 | UNUM INSURANCE COMPANY | — | — | $0 | — |
| AZURANCE GROUP Filed as: AZURANCE GROUP INC | 4510 13TH AVE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRIME THERAPEUTICS | Other fees Service code 99 | — | $16K |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 328 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 328 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 328 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $0 |
| Short-term disability | UNUM INSURANCE COMPANY | 243 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.