| 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 | $16K | $0 | $16K | 2.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | PREFERREDONE INSURANCE COMPANY | $10K | $0 | $10K | 1.36% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | DELTA DENTAL OF MINNESOTA | $3K | $0 | $3K | 4.47% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 206 LITTLE CANADA ROAD EAST SAINT PAUL, MN 55117 | DELTA DENTAL OF MINNESOTA | $2K | $0 | $2K | 3.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MINNESOTA | $865 | $0 | $865 | 1.29% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $987 | $3K | 9.04% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | METROPOLITAN LIFE INSURANCE COMPANY | $296 | $150 | $446 | 1.20% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 2048 SUPERIOR DRIVE NW, SUITE 100 ROCHESTER, MN 55901 | METROPOLITAN LIFE INSURANCE COMPANY | $99 | $0 | $99 | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $59 | $59 | 0.16% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 206 LITTLE CANADA ROAD, EAST SAINT PAUL, MN 55117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $637 | $2K | 9.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.03% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | STANDARD INSURANCE COMPANY | $381 | $330 | $711 | 12.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | STANDARD INSURANCE COMPANY | $277 | $0 | $277 | 5.05% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 206 LITTLE CANADA ROAD, EAST SAINT PAUL, MN 55117 | SYMETRA LIFE INSURANCE COMPANY | $122 | $0 | $122 | 4.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | SYMETRA LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.43% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $51 | $0 | $51 | 5.45% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32 | $0 | $32 | 3.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19 | $0 | $19 | 2.03% |
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 |
|---|---|---|---|
| Health (medical) | PREFERREDONE INSURANCE COMPANY | 187 | $722K |
| Dental | DELTA DENTAL OF MINNESOTA | 157 | $67K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $43K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 90 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $23K |
| Prescription drug | PREFERREDONE INSURANCE COMPANY | 187 | $722K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.