| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER BENEFITS GROUP INC3 | 3170 44TH ST S. #110 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $11K | $45K | 21.15% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.63% |
| PREMIER BENEFITS GROUP INC3 | 3170 44TH ST S. #110 FARGO, ND 58104 | THE STANDARD INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| PREMIER BENEFITS GROUP INC3 | 3170 44TH ST S. #110 FARGO, ND 58104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 14.87% |
| PREMIER BENEFITS GROUP INC3 | 3170 44TH ST S. #110 FARGO, ND 58104 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
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 | 337 | 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) | 337 | 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 | 309 | $458K |
| Dental | THE STANDARD INSURANCE COMPANY | 191 | $107K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 132 | $26K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $284K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $284K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $213K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 309 | $388K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 309 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.