| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SUITE 240 ST CLOUD, MN 56301 | BCBSM, INC. | $65K | — | $65K | 10.21% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 206 LITTLE CANADA RD E ST PAUL, MN 55117 | INNOVATION HEALTH | $6K | — | $6K | 1.16% |
| PATRICK RUHLE3 Filed as: PATRICK J MCCANN | 206 LITTLE CANADA RD E ST PAUL, MN 55117 | INNOVATION HEALTH | $810 | — | $810 | 0.17% |
| PATRICK RUHLE Filed as: PATRICK J MCCANN | — | INNOVATION HEALTH | — | — | $0 | 0.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 206 LITTLE CANADA RD E ST PAUL, MN 55117 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | — | $35K | 7.97% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 206 LITTLE CANADA RD E ST PAUL, MN 55117 | DDMN ASO LLC | $5K | — | $5K | 1.35% |
| PATRICK MCCANN3 | 206 LITTLE CANADA RD E SAINT PAUL, MN 55117 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 7.64% |
| PATRICK MCCANN3 | 206 LITTLE CANADA RD E SAINT PAUL, MN 55117 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 7.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MN EIN 41-0984460 NONE | Claims processing Service code 12 | PO BOX 64560 ST PAUL, MN 55107 | $398K |
| NORTH RISK PARTNERS LLC | Claims processing Service code 12 | 622 ROOSEVELT RD ST CLOUD, MN 56301 | $504 |
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 | 1,128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INNOVATION HEALTH | 128 | $479K |
| Dental | DDMN ASO LLC | 2,010 | $352K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,130 | $444K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,130 | $444K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,130 | $444K |
| Stop-loss / reinsurancereinsurance | BCBSM, INC. | 1,157 | $632K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,010 | — |
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.