| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD, SUITE 240 ST CLOUD, MN 56301 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $26K | — | $26K | 2.53% |
| ADVANTAGE 1 INSURANCE AGENCY INC3 Filed as: ADVANTAGE 1 INSURANCE AGENCY, INC. | 3801 THIRD STREET NORTH, SUITE 100 ST CLOUD, MN 56303 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $8K | — | $8K | 0.77% |
| LECLAIR CORPORATION3 | 6701 UPPER AFTON ROAD ST PAUL, MN 55125 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $4K | — | $4K | 0.42% |
| WINONA AGENCY, INC.3 | 174 CEBTER STREET, PO BOX 919 WINONA, MN 55987 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $4K | — | $4K | 0.37% |
| CSP & ASSOCIATES, INC.3 | 8530 EAGLE POINT BOULEVARD SUITE 125 LAKE ELMO, MN 55042 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $4K | — | $4K | 0.35% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 215 NORTH CENTRAL AVENUE, SUITE 6 DULUTH, MN 55807 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $3K | — | $3K | 0.31% |
| JOHNSON INSURANCE CONSULTANTS3 Filed as: JOHNSON INS CONS. AGENCY & OTHERS | 302 WEST SUPERIOR STREET, SUITE 400 DULUTH, MN 55802 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $3K | — | $3K | 0.28% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF MINNESOTA | 379 | $1.0M |
| Other | BLUE CROSS BLUE SHEILD OF MINNESOTA | 379 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.