No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORIDIAN MUTUAL INSURANCE COMPANY EIN 45-0173185 NONE | Other fees Service code 99 | — | $1.8M |
| ASSOCIATION SERVICES, INC. EIN 45-0394341 RELATED | Other fees Service code 99 | — | $1.0M |
| BLUE CROSS BLUE SHIELD OF ND EIN 45-0173185 NONE | Other fees Service code 99 | — | $180K |
| HAYS COMPANIES EIN 83-2217196 NONE | Insurance agents and brokers Service code 22 | — | $99K |
| VAALER INSURANCE EIN 45-0274771 NONE | Insurance agents and brokers Service code 22 | — | $70K |
| NORTH RISK PARTNERS EIN 46-1375576 NONE | Insurance agents and brokers Service code 22 | — | $18K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| ROBERT LAMP & ASSOCIATES LLC EIN 45-4222598 NONE | Consulting (general) Service code 16 | — | $10K |
| HUB INTERNATIONAL EIN 47-0813106 NONE | Insurance agents and brokers Service code 22 | — | $7K |
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 | 4,426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 4,344 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 4,344 | $2.2M |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 4,344 | $2.2M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 4,344 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,344 | — |
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.
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.