| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SASHA CAMPBELL3 Filed as: SASHA L. CAMPBELL | 2731 12TH AVENUE SOUTH, SUITE B FARGO, ND 58103 | AFLAC | $3K | $115 | $3K | 6.47% |
| JAIME JOHNSON3 | 3627 FILLMORE STREET SOUTH FARGO, ND 58104 | AFLAC | $3K | $124 | $3K | 6.33% |
| THOMAS J CASSADY3 Filed as: THOMAS J. CASSADY AND OTHER AGENTS | 2731 12TH AVENUE SOUTH, SUITE B FARGO, ND 58103 | AFLAC | $2K | $70 | $2K | 4.11% |
| KYAL WILLIAMS3 | 1307 NP AVENUE NORTH FARGO, ND 58102 | AFLAC | $354 | $34 | $388 | 0.79% |
| SHAWN D BENSER3 Filed as: SHAWN D. BENSER | 4840 AMBER VALLEY PARKWAY SOUTH SUITE C FARGO, ND 58104 | AFLAC | $189 | $0 | $189 | 0.39% |
| KARLA M TROWBRIDGE3 Filed as: KARLA M. TROWBRIDGE | 1609 35TH AVENUE SE MINOT, ND 58701 | AFLAC | $100 | $0 | $100 | 0.20% |
| CARTER EVENSON3 | 346 15TH AVENUE EAST WEST FARGO, ND 58078 | AFLAC | $84 | $13 | $97 | 0.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $574 | $3K | 11.70% |
| AZURANCE GROUP3 | 4510 13TH AVENUE SOUTH FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $627 | $2K | 8.40% |
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 | 146 | 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) | 146 | 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 | 197 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 197 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 197 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 157 | $70K |
| Short-term disability | AFLAC | 37 | $49K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 197 | $1.2M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 197 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.