No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF NORTH DAKOTA EIN 45-0173185 NONE | Actuarial; Insurance services; Claims processing; Contract Administrator; Direct payment from the plan Service code 11 | — | $573K |
| MARSH MCLENNAN AGENCY EIN 26-3237576 NONE | Insurance brokerage commissions and fees Service code 53 | — | $81K |
| NORTH DAKOTA HOSPITAL ASSOCIATION EIN 87-1254624 SPONSORING ORGANIZATION | Plan Administrator Service code 14 | — | $78K |
| EIDE BAILLY EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | — | $26K |
| COTIVITI NONE | Other services Service code 49 | 10701 SOUTH RIVER FRONT PARKWAY SUITE 200 SOUTH JORDAN, UT 84095 | $0 |
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 | 697 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 1,386 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,386 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.