| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WIPPMAN & ASSOCIATES INC3 | 6465 WAYZATA BLVD SUITE 350 ST. LOUIS PARK, MN 55426 | BCBSM, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $15K | $3K | $18K | 1.19% |
| LUNDAHL FINANCIAL SERVICES3 Filed as: LUNDAHL FINANCIAL SERVICES LLC | DANIEL V LUNDAHL 1750 TOWER BLVD STE 210 VICTORIA, MN 553864573 | MEDICA INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| LUNDAHL FINANCIAL SERVICES3 | 1750 TOWER BLVD, SUITE 210 PO BOX 38 VICTORIA, MN 55386 | DELTA DENTAL OF MINNESOTA | $18K | — | $18K | 10.83% |
| 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 | $4K | — | $4K | 12.00% |
| MEDICAL GROUP INSURANCE SERVICES5 | 1849 WEST NORTH TEMPLE SALT LAKE CITY, UT 84116 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $195 | $195 | 0.55% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBSM, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 311 | $1.8M |
| Dental | DELTA DENTAL OF MINNESOTA | 153 | $166K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $35K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 175 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.