| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STROH AND ASSOCIATES3 Filed as: STROH & ASSOCIATES | PO BOX 3148 BISMARCK, ND 58502 | SANFORD HEALTH PLAN | $41K | — | $41K | 4.65% |
| STROH AND ASSOCIATES3 Filed as: STROH & ASSOCIATES | PO BOX 3148 BISMARCK, ND 58502 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.16% |
| STROH AND ASSOCIATES3 Filed as: STROH & ASSOCIATES | 1225 COUNTRYSIDE DRIVE BISMARCK, ND 58501 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.80% |
| STROH AND ASSOCIATES3 Filed as: STROH & ASSOCIATES | 3230 ROCK ISLAND PLACE SUITE #2 BISMARCK, ND 58504 | COMPANION LIFE | $52 | — | $52 | 15.03% |
| DIRECT BENEFITS INC3 | 7900 INTERNATIONAL DRIVE, SUITE 104 MINNEAPOLIS, MN 55425 | COMPANION LIFE | $26 | — | $26 | 7.51% |
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 | 213 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SANFORD HEALTH PLAN | 154 | $890K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 214 | $83K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 190 | $19K |
| Life insurance | COMPANION LIFE | 13 | $346 |
| Other | COMPANION LIFE | 13 | $346 |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.