| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL BANK3 Filed as: BELL BANK ATTN DAVE DOLE | 15 BROADWAY MAIN FLOOR FARGO, ND 58102 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| BENEUSA LLC3 | 1851 LAKE DR W STE 350 CHANHASSEN, MN 55317 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| MARK MCINTOSH3 Filed as: MARK E. MCINTOSH | PO BOX 1773 GASTONIA, NC 28053 | USABLE LIFE | $3K | — | $3K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| MARK MCINTOSH3 Filed as: MARK E. MCINTOSH | PO BOX 1773 GASTONIA, NC 28053 | USABLE LIFE | $1K | — | $1K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $562 | — | $562 | 5.00% |
| DAVID COLE3 | 15 BROADWAY N FARGO, ND 58102 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | — |
| BENEUSA LLC3 | 1851 LAKE DR. W STE 350 CHANHASSEN, MN 56317 | METROPOLITAN LIFE INSURANCE COMPANY | $300 | — | $300 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 520 MAIN AVE, STE 800 FARGO, ND 58103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | — |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 185 | $147K |
| Life insurance | USABLE LIFE | 201 | $11K |
| Short-term disability | USABLE LIFE | 201 | $35K |
| Other | USABLE LIFE | 201 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
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.