| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L SEIVERT3 | 622 ROOSEVELT RD SUITE 240 ST CLOUD, MN 56301 | HEALTH PARTNERS | $27K | $890 | $28K | 3.01% |
| CHARLES L SEIVERT3 | 2010 CENTRE POINTE BLVD ST PAUL, MN 55120 | HEALTH PARTNERS | $19K | — | $19K | 2.02% |
| CHARLES L SEIVERT3 | 622 ROOSEVELT RD SUITE 240 ST CLOUD, MN 56301 | HEALTH PARTNERS | — | $42 | $42 | 0.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS LCC | 206 LITTLE CANADA RD E ST PAUL, MN 55117 | DDMN ASO, LLC | $11K | — | $11K | 11.87% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS LCC | 2010 CENTRE POINTE BLVD ST PAUL, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.78% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS LCC | 206 LITTLE CANADA RD E ST PAUL, MN 55117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.95% |
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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS | 94 | $921K |
| Dental | DDMN ASO, LLC | 121 | $95K |
| Vision | HEALTH PARTNERS | 94 | $921K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $90K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $90K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 176 | $90K |
| Prescription drug | HEALTH PARTNERS | 94 | $921K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.