| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $94K | — | $94K | 4.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORIDIAN MUTUAL INSURANCE COMPANY NONE | Contract Administrator Service code 13 | 4025 9TH AVE S FARGO, ND 58103 | $1.7M |
| NORTH DAKOTA BANKERS ASSOCIATION NONE | Contract Administrator Service code 13 | — | $102K |
| NORTH RISK PARTNERS EIN 46-1375576 NONE | Insurance agents and brokers Service code 22 | — | $94K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | — | $14K |
| PRIME THERAPEUTICS NONE | Other fees Service code 99 | 1305 CORPORATE CENTER DRIVE EAGAN, MN 55121 | $0 |
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 | 1,363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 3,023 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 3,023 | $2.0M |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 3,023 | $2.0M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 3,023 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,023 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.