| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH QUOTE SERVICES LLC3 | 4445 2ND AVENUE SOUTH SUITE 4 FARGO, ND 58103 | MEDICA INSURANCE COMPANY | — | $14K | $14K | 0.39% |
| DAWSON INSURANCE3 Filed as: DAWSON INSURANCE AGENCY INC-MMA LLC | PO BOX 1958 FARGO, ND 58107 | MEDICA INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 721 1ST AVENUE NORTH FARGO, ND 58102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 3.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 721 1ST AVENUE NORTH FARGO, ND 58102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 721 1ST AVENUE NORTH FARGO, ND 58102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 721 1ST AVENUE NORTH FARGO, ND 58102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 721 1ST AVENUE NORTH FARGO, ND 58102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 721 1ST AVENUE NORTH FARGO, ND 58102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $522 | $522 | 3.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 721 1ST AVENUE NORTH FARGO, ND 58102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $475 | $475 | 4.07% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 263 | $3.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $254K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 589 | $31K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $44K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.