| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH QUOTE SERVICES LLC3 Filed as: HEALTH QUOTE SERVICES | WILLIAM J SCHULTZ 4445 2ND AVENUE SOUTH SUITE 4 FARGO, ND 58103 | MEDICA INSURANCE COMPANY | $33K | $5K | $38K | 1.15% |
| DAWSON INSURANCE3 Filed as: DAWSON INSURANCE AGENCY INC MMA LLC | PO BOX 1958 FARGO, ND 58107 | MEDICA INSURANCE COMPANY | $17K | — | $17K | 0.50% |
| WILLIAM SCHULTZ3 | 4445 2ND AVENUE SOUTH SUITE 4 C/O HEALTH QUOTE SERVICES FARGO, ND 58103 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 2.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 721 1ST AVENUE NORTH FARGO, ND 58102 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $58 | $3K | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.28% |
| WILLIAM SCHULTZ3 | 4445 2ND AVENUE SOUTH FARGO, ND 58103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.51% |
| EE DORSETT ASSOCIATES3 | PO BOX 3006 FARGO, ND 58108 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.76% |
| DAWSON INSURANCE3 | 721 1ST AVENUE NORTH FARGO, ND 58102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $725 | — | $725 | 2.48% |
| WILLIAM SCHULTZ3 | 4445 SECOND AVENUE SOUTH SUITE 4 C/O HEALTH QUOTE SERVICES FARGO, ND 58103 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 33.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 721 1ST AVENUE NORTH FARGO, ND 58102 | METROPOLITAN LIFE INSURANCE COMPANY | $831 | $58 | $889 | 6.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $62 | $62 | 0.45% |
| WILLIAM SCHULTZ3 | 4445 SECOND AVENUE SUITE 4 C/O HEALTH QUOTE SERVICES FARGO, ND 58103 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 37.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 721 1ST AVENUE NORTH FARGO, ND 58102 | METROPOLITAN LIFE INSURANCE COMPANY | $744 | $58 | $802 | 6.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56 | $56 | 0.49% |
| WILLIAM SCHULTZ3 | 4445 SECOND AVENUE SOUTH SUITE 4 C/O HEALTH QUOTE SERVICES FARGO, ND 58103 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 41.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 721 1ST AVENUE NORTH FARGO, ND 58102 | METROPOLITAN LIFE INSURANCE COMPANY | $390 | $58 | $448 | 6.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.44% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 251 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 535 | $359K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 235 | $29K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 535 | $359K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 535 | $359K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 535 | $359K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 535 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.