| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS J CASSADY3 Filed as: THOMAS J. CASSADY | 2731 12TH AVENUE SOUTH, SUITE B FARGO, ND 58103 | AFLAC | $3K | $243 | $3K | 9.49% |
| SASHA CAMPBELL3 | 2731 12TH AVENUE SOUTH, SUITE B FARGO, ND 58103 | AFLAC | $759 | $0 | $759 | 2.59% |
| SHAWN D BENSER3 Filed as: SHAWN D. BENSER | 4840 AMBER VALLEY PARKWAY SOUTH SUITE C FARGO, ND 58104 | AFLAC | $565 | $70 | $635 | 2.17% |
| JOHN PAUL STROH3 | 3230 SETER PARKWAY SOUTH APARTMENT 220 FARGO, ND 58104 | AFLAC | $397 | $0 | $397 | 1.36% |
| SCOTT C. ANDERSON AND OTHER AGENTS3 | 4512 37TH AVENUE NORTH FARGO, ND 58102 | AFLAC | $249 | $54 | $303 | 1.03% |
| SASHA CAMPBELL3 | 5685 43RD STREET SOUTH FARGO, ND 58104 | AFLAC | $108 | $54 | $162 | 0.55% |
| HORST INSURANCE3 Filed as: KATLYN M. HORST | 15848 39TH STREET SE MAPLETON, ND 58059 | AFLAC | $151 | $0 | $151 | 0.52% |
| AZURANCE GROUP3 | 4510 13TH AVENUE SOUTH FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $788 | $788 | 22.02% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 183 | $764K |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 183 | $764K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 183 | $764K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 137 | $33K |
| Short-term disability | AFLAC | 25 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 183 | $764K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 183 | $797K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.