| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BEN. AND RISK CONSULTING3 | 6000 CLEARWATER DRIVE MINNETONKA, MN 55343 | HEALTHPARTNERS INSURANCE COMPANY | $39K | $10K | $49K | 1.99% |
| PHAROS EMPLOYEE BENEFITS INC3 Filed as: PHAROS EMPLOYEE BENEFITS INC. | 2600 EAGAN WOODS DRIVE, STE. 140 EAGAN, MN 55121 | HEALTHPARTNERS INSURANCE COMPANY | — | $4K | $4K | 0.18% |
| LISA ANN SCAMEHORN3 | 2600 EAGAN WOODS DRIVE, STE. 140 EAGAN, MN 55121 | NORTHWESTERN MUTUAL | $397 | $99 | $496 | — |
| MICHAEL YURCZYK3 Filed as: MICHAEL MERLE ERPELDING | 5201 EDEN AVE STE 200 EDINA, MN 55436 | NORTHWESTERN MUTUAL | $170 | $50 | $220 | — |
| HELLYER GROUP LLC3 | 1191 NORTHLAND DR STE 150 MENDOTA HEIGHTS, MN 55120 | NORTHWESTERN MUTUAL | $113 | $14 | $127 | — |
| LISA ANN SCAMEHORN3 | 2600 EAGAN WOODS DRIVE, STE. 140 EAGAN, MN 55121 | NORTHWESTERN MUTUAL | $2K | $499 | $2K | — |
| MICHAEL YURCZYK3 Filed as: MICHAEL MERLE ERPELDING | 5201 EDEN AVE STE 200 EDINA, MN 55436 | NORTHWESTERN MUTUAL | $775 | $248 | $1K | — |
| HELLYER GROUP LLC3 | 1191 NORTHLAND DR STE 150 MENDOTA HEIGHTS, MN 55120 | NORTHWESTERN MUTUAL | $517 | $62 | $579 | — |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 777 | $2.4M |
| Life insurance | NORTHWESTERN MUTUAL | 497 | $0 |
| Long-term disability | NORTHWESTERN MUTUAL | 497 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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.