| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON MCCANN BENEFITS LLC3 Filed as: JOHNSON MCCANN | 206 EAST LITTLE CANADA ROAD SAINT PAUL, MN 55117 | PREFERREDONE INSURANCE COMPANY | $26K | — | $26K | 4.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 4.61% |
| NORTH RISK PARTNERS LLC3 | 206 LITTLE CANADA RD E ST PAUL, MN 55117 | DELTA DENTAL OF MINNESOTA | $2K | — | $2K | 3.40% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD, SUITE 240 ST. CLOUD, MN 56301 | PRINCIPAL LIFE INSURNACE | $5K | — | $5K | 11.67% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET BUFFALO, NY 14204 | PRINCIPAL LIFE INSURNACE | $2K | — | $2K | 4.97% |
| NORTH RISK PARTNERS LLC3 | 206 LITTLE CANADA RD EAST ST PAUL, MN 551171332 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $664 | $4K | 14.08% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $517 | — | $517 | 12.01% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD 240 ST CLOUD, MN 56301 | STANDARD INSURANCE COMPANY | $168 | — | $168 | 12.01% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 79 | $59K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURNACE | 145 | $46K |
| Short-term disability | PRINCIPAL LIFE INSURNACE | 70 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $32K |
| Other | PRINCIPAL LIFE INSURNACE | 70 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.