| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLOCK IS, INCORPORATED3 Filed as: FLOCK IS INCORPORATED | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY STE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 18.71% |
| FLOCK IS, INCORPORATED3 Filed as: FLOCK IS INCORPORATED | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY STE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 18.31% |
| FLOCK IS, INCORPORATED3 Filed as: FLOCK IS INCORPORATED | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | STANDARD INSURANCE COMPANY | $0 | $832 | $832 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY STE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 17.99% |
| FLOCK IS, INCORPORATED3 Filed as: FLOCK IS INCORPORATED | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | STANDARD INSURANCE COMPANY | $0 | $706 | $706 | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $762 | $3K | 21.31% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $734 | $734 | 5.00% |
| FLOCK IS, INCORPORATED3 Filed as: FLOCK IS INCORPORATED | 660 4TH ST #334 SAN FRANCISCO, CA 94107 | STANDARD INSURANCE COMPANY | $0 | $271 | $271 | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 505 BROADWAY STE 100 FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 25.28% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $422 | $2K | 22.37% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $422 | $2K | 22.37% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $265 | $1K | 27.52% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | UNUM INSURANCE COMPANY | $463 | $193 | $656 | 17.03% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | UNUM INSURANCE COMPANY | $567 | $189 | $756 | 20.02% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $673 | $158 | $831 | 26.35% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | UNUM INSURANCE COMPANY | $111 | $37 | $148 | 20.08% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $266 | $33 | $299 | 45.23% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O BOX 1958 FARGO, ND 58107 | UNUM INSURANCE COMPANY | $58 | $24 | $82 | 16.77% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 214 | $1.5M |
| Dental(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 170 | $130K |
| Vision(3 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 172 | $74K |
| Life insurance(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 153 | $30K |
| Short-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 82 | $47K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 156 | $35K |
| Other(9 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 153 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.