| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL-ANDERSON AGENCY INC3 Filed as: BELL INSURANCE SERVICES | UNKNOWN FARGO, ND 58102 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $16K | $0 | $16K | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | UNKNOWN FARGO, ND 58102 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $12K | $0 | $12K | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 505 BROADWAY, SUITE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.51% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL INSURANCE SERVICES, LLC | PO BOX 1470 FARGO, ND 58107 | STANDARD INSURANCE COMPANY | $892 | $0 | $892 | 1.28% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL INSURANCE SERVICES, LLC | UNKNOWN FARGO, ND 58102 | ONEAMERICA | $3K | $0 | $3K | 8.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | UNKNOWN FARGO, ND 58102 | ONEAMERICA | $1K | $585 | $2K | 5.52% |
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 | 68 | 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) | 68 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 178 | $955K |
| Dental | STANDARD INSURANCE COMPANY | 114 | $70K |
| Vision | STANDARD INSURANCE COMPANY | 114 | $70K |
| Life insurance | ONEAMERICA | 83 | $35K |
| Short-term disability | ONEAMERICA | 83 | $35K |
| Long-term disability | ONEAMERICA | 83 | $35K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 178 | $955K |
| Other | ONEAMERICA | 83 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.