| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| P HOKAN ALMSTROM3 Filed as: P.HOKAN ALMSTROM | 15020 27TH AVE. N PLYMOUTH, MN 55447 | EXCELLUS BLUE CROSS BLUE SHIELD | $83K | — | $83K | 1.34% |
| NORTH RISK PARTNERS LLC3 Filed as: HOKAN ALMSTROM NORTH RISK PARTNERS | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $13K | $13K | 6.48% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 ST CLOUD, MN 56301 | MEDICAL MUTUAL OF OMAHA | $13K | — | $13K | 14.80% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DR NW STE 100 ROCHESTER, MN 55901 | MEDICAL MUTUAL OF OMAHA | $0 | $3K | $3K | 3.62% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD, SUITE 240 ST CLOUD, MN 56301 | COMPANION LIFE INSURANCE COMPANY | $8K | — | $8K | 12.82% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW, SUITE 100 ROCHESTER, MN 59901 | COMPANION LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.62% |
| NORTH RISK PARTNERS LLC3 | 4535 HUDGSON RD #100 SHOREVIEW, MN 55126 | GUARDIAN | $15K | — | $15K | 31.62% |
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 | 135 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 147 | $6.3M |
| Dental | GUARDIAN | 171 | $48K |
| Vision | GUARDIAN | 171 | $48K |
| Life insurance(3 contracts, 3 carriers) | MEDICAL MUTUAL OF OMAHA | 190 | $199K |
| Short-term disability(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OMAHA | 190 | $135K |
| Long-term disability(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OMAHA | 190 | $135K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 147 | $6.1M |
| Other(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OMAHA | 190 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.