| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFITS GROUP INC3 | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $10K | $40K | 21.21% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 2.46% |
| PREMIER BENEFITS GROUP INC3 | 417 MAIN AVE FARGO, ND 58103 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.83% |
| PREMIER BENEFITS GROUP INC3 | 3170 44TH ST S FARGO, ND 58104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 17.61% |
| PREMIER BENEITS GROUP INC3 | 3170 44TH ST S FARGO, ND 58104 | VERSANT HEALTH HOLDCO INC. | — | — | $0 | 0.00% |
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 | 289 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 330 | $329K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $119K |
| Vision | VERSANT HEALTH HOLDCO INC. | 263 | $25K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $258K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $258K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $187K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 330 | $258K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 330 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.