| 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 SHIELD OF NORTH DAKOTA | $3K | $0 | $3K | 1.13% |
| BENEFIT STRATEGIES AGENCY, LLC3 Filed as: BENEFIT STRATEGIES GROUP, INC. | UNKNOWN BROOKLYN CENTER, MN 55429 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $945 | $0 | $945 | 0.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 13.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $795 | $795 | 1.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $450 | $450 | 0.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MINNESOTA | $3K | $0 | $3K | 9.87% |
| RYAN ALLEN KOLLE3 | 3563 54TH STREET SOUTH FARGO, ND 58104 | AFLAC | $344 | $106 | $450 | 3.70% |
| THOMAS J CASSADY3 Filed as: THOMAS J. CASSADY | 2731 12TH AVENUE SOUTH, SUITE B FARGO, ND 58103 | AFLAC | $193 | $19 | $212 | 1.74% |
| SASHA CAMPBELL3 Filed as: SASHA L. CAMPBELL | 2731 12TH AVENUE SOUTH, SUITE B FARGO, ND 58103 | AFLAC | $183 | $19 | $202 | 1.66% |
| SANDRA F STRANDLIEN3 Filed as: SANDRA F. STRANDLIEN | 1307 NP AVENUE NORTH FARGO, ND 58102 | AFLAC | $193 | $0 | $193 | 1.58% |
| KEITH OLSON3 Filed as: KEITH A. OLSON AND OTHER AGENTS | 427 31ST AVENUE EAST WEST FARGO, ND 58078 | AFLAC | $182 | $0 | $182 | 1.49% |
| KATARINA REINKE3 | 1503 6TH AVENUE NORTH WAHPETON, ND 58075 | AFLAC | $83 | $0 | $83 | 0.68% |
| SHAWN D BENSER3 Filed as: SHAWN D. BENSER | 422 SEQUOIA DRIVE MAPLETON, ND 58059 | AFLAC | $72 | $0 | $72 | 0.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $200 | $1K | 11.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $29 | $29 | 0.25% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 40 | $263K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MINNESOTA | 68 | $43K |
| Vision(2 contracts, 2 carriers) | AFLAC | 105 | $22K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $77K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $78K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $66K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 40 | $263K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.