| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 100 BLOOMINGTON, MN 55437 | BLUE CROSS BLUE SHILED OF NORTH DAKOTA | $16K | $0 | $16K | 0.67% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | UNKNOWN WAHPETON, ND 58075 | BLUE CROSS BLUE SHILED OF NORTH DAKOTA | $11K | $0 | $11K | 0.46% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | PO BOX 10 THIEF RIVER FALLS, MN 56701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 9.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.82% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP, INC. | 3170 44TH STREET SOUTH, UNIT 110 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.60% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.80% |
| PREMIER BENEFITS GROUP INC3 Filed as: PREMIER BENEFITS GROUP, INC. | 3170 44TH STREET SOUTH, UNIT 110 FARGO, ND 58104 | STANDARD INSURANCE COMPANY | $5K | $355 | $5K | 4.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 4.18% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 2017 HIGHWAY 59 SE THIEF RIVER FALLS, MN 56701 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.67% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.49% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $189 | $0 | $189 | 0.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.88% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.12% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHILED OF NORTH DAKOTA | 325 | $2.4M |
| Dental | STANDARD INSURANCE COMPANY | 208 | $113K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 180 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $223K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $223K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $223K |
| Prescription drug | BLUE CROSS BLUE SHILED OF NORTH DAKOTA | 325 | $2.4M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.