| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BLUE CROSS BLUE SHIELD OF NORTH DAK | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | $1.0M | $1.0M | 41.96% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BLUE CROSS BLUE SHIELD OF NORTH DAK | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | $51K | $51K | — |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BLUE CROSS BLUE SHIELD OF NORTH DAK | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | $9K | $9K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 45-0173185 | Other fees; Contract Administrator Service code 13 | — | $3.6M |
| HOLMES MURPHY & ASSOCIATES | Consulting (general) Service code 16 | 225 SOUTH 6TH ST UNIT 1900 MINNEAPOLIS, MN 55402 | $91K |
| NORTH DAKOTA GRAIN DEALERS ASSOCIAT EIN 45-0433738 | Other fees Service code 99 | — | $34K |
| ALERUS FINANCIAL EIN 45-0140105 | Custodial (securities) Service code 19 | — | $28K |
| WIDMER ROEL PC EIN 45-0334950 | Accounting (including auditing) Service code 10 | — | $26K |
| TRAVELERS EIN 06-0566050 | Insurance services Service code 23 | — | $10K |
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 | 1,294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 3,196 | $2.5M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 2,182 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 1,625 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 3,196 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,196 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.