| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 206 LITTLE CANADA RD E SAINT PAUL, MN 55117 | BCBSM, INC. | $82K | — | $82K | 13.72% |
| PATRICK MCCANN3 | 206 LITTLE CANADA RD E SAINT PAUL, MN 551171332 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 7.01% |
| PATRICK MCCANN3 | 206 LITTLE CANADA RD E SAINT PAUL, MN 551171332 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MN EIN 41-0984460 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | PO BOX 64560 ST PAUL, MN 55107 | $272K |
| PRIME THERAPEUTICS, INC. NONE | Float revenue; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 4401 W 76TH S 855-457-0004 EDINA, MN 55435 | $13K |
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 | 671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BCBSM, INC. | 1,057 | $597K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,057 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.