| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 721 1ST AVENUE N FARGO, ND 58102 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $21K | — | $21K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 721 1ST AVENUE N FARGO, ND 58102 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 721 1ST AVENUE N FARGO, ND 58102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $310 | $3K | 8.14% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $284 | $2K | 5.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 721 1ST AVENUE N FARGO, ND 58102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81 | $7 | $88 | 6.95% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN | 4510 13TH AVENUE SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54 | $7 | $61 | 4.82% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 276 | $1.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 43 | $58K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $37K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $35K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 276 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.