| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STROH AND ASSOCIATES Filed as: STROH & ASSOCIATES | 3230 ROCK ISLAND PLACE SUITE #2 BISMARCK, ND 58504 | SANFORD HEALTH PLAN | $32K | — | $32K | 4.10% |
| STROH AND ASSOCIATES Filed as: STROH & ASSOCIATES | PO BOX 3148 BISMARCK, ND 58502 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 9.83% |
| STROH AND ASSOCIATES Filed as: STROH & ASSOCIATES | 1225 COUNTRYSIDE DRIVE BISMARCK, ND 58501 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.77% |
| STROH AND ASSOCIATES Filed as: STROH & ASSOCIATES | 3230 ROCK ISLAND PLACE SUITE #2 BISMARCK, ND 58504 | COMPANION LIFE | $945 | — | $945 | 17.34% |
| DIRECT BENEFITS INC | 55 E 5TH STREET #500 SAINT PAUL, MN 55101 | COMPANION LIFE | $472 | — | $472 | 8.66% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 144 | $772K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 187 | $69K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 182 | $20K |
| Life insurance | COMPANION LIFE | 17 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.