| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD #240 ST CLOUD, MN 56301 | BCBSM, INC. D.B.A BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $96K | — | $96K | 3.19% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | HARTFORD LIFE AND ACCIDENT | $16K | $1K | $17K | 8.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $4K | $879 | $4K | 2.24% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP INC. | 130 DIVISION STREET SUITE B WAITE PARK, MN 56387 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 0.90% |
| NORTH RISK PARTNERS LLC3 | 1045 76TH ST STE 400 WEST DES MOINES, IA 502665841 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.18% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.23% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD #240 ST CLOUD, MN 56301 | PRINCIPAL LIFE INSURANCE COMPANY | $730 | — | $730 | 3.27% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | HARTFORD LIFE AND ACCIDENT | $312 | $8 | $320 | 20.51% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSM, INC. D.B.A BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 236 | $3.0M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 364 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 327 | $196K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 327 | $196K |
| Other | HARTFORD LIFE AND ACCIDENT | 96 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.