No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 45-0173185 NONE | Contract Administrator; Other fees Service code 13 | — | $1.1M |
| HOLMES MURPHY & ASSOCIATES NONE | Consulting (general) Service code 16 | 225 SOUTH 6TH ST UNIT 1900 MINNEAPOLIS, MN 55402 | $39K |
| ALERUS FINANCIAL EIN 45-0140105 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $26K |
| TERRY PRICE NONE | Consulting (general) Service code 16 | 1711 3RD STREET SE MINOT, ND 58701 | $23K |
| BRADY, MARTZ & ASSOCIATES, P.C. EIN 45-0310328 NONE | Accounting (including auditing) Service code 10 | — | $15K |
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 | 1,149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 2,811 | $3.2M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 2,128 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 1,497 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 2,811 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,811 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.