| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH QUOTE SERVICES LLC3 Filed as: HEALTH QUOTE SERVICES | WILLIAM J SCHULTZ 4445 2ND AVENUE SOURTH SUITE 4 FARGO, ND 58103 | MEDICA INSURANCE COMPANY | $42K | $1K | $44K | 1.55% |
| WILLIAM SCHULTZ3 | 4445 2ND AVENUE SOUTH SUITE 4 C/O HEALTH QUOTE SERVICES FARGO, ND 58103 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.03% |
| WILLIAM SCHULTZ3 | 4445 2ND AVENUE SOUTH FARGO, ND 58103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.98% |
| EE DORSETT ASSOCIATES3 | PO BOX 3006 FARGO, ND 58108 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| NATALIE MALHAM3 Filed as: NATALIE SUZANNE BASS | 1600 THOMAS AVENUE NORTH MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 13.78% |
| WILLIAM SCHULTZ3 Filed as: WILLIAM J SCHULTZ | 4445 2ND AVENUE SOUTH FARGO, ND 58103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.88% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 24586 PELICAN LAKE ROAD GLENWOOD, MN 56334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | $307 | $740 | 2.56% |
| DAVID M RYDEN3 | 2950 BENT TREE HILLS DRIVE NEW BRIGHTON, MN 55112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $501 | $53 | $554 | 1.92% |
| ZEBULEN DICKEY3 | PO BOX 6532 FARGO, ND 58109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.38% |
| FLORENCE RYDEN3 | 2950 BENT TREE HILLS DRIVE NEW BRIGHTON, MN 55112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $17 | $103 | 0.36% |
| CONRAD R SUECHTING3 | 27362 POTATO FARM ROAD ONTONAGON, MI 49953 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.13% |
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 | 259 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 248 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 878 | $223K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 248 | $46K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 252 | $102K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 252 | $102K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 252 | $102K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 252 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 878 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.