| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNER, LLC | 622 ROSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 9.51% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 5.61% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNER, LLC | 615 HORSESHOE DRIVE GRINNELL, IA 50112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 1.72% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $634 | $2K | 8.21% |
| BENEFIT ADVOCATES3 | 2555 SE BLUESTEM DRIVE WAUKEE, IA 50263 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.39% |
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 | 35 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 82 | $61K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 82 | $61K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 36 | $22K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 36 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 82 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.