| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL-ANDERSON AGENCY INC3 Filed as: BELL INSURANCE SERVICES | PO BOX 1470 FARGO, ND 58107 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $31K | $0 | $31K | 2.00% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL INSURANCE SERVICES | PO BOX 1470 FARGO, ND 58107 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $25K | 11.85% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $6K | $16K | 7.65% |
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 | 273 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 242 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $208K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $208K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $208K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $208K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 242 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.