| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SUITE 240 ST CLOUD, MN 56301 | BCBSM, INC. | $84K | — | $84K | 9.06% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 622 ROOSEVELT ROAD STE 240 ST CLOUD, MN 56301 | INNOVATION HEALTH | $11K | — | $11K | 1.98% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 5.37% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 206 LITTLE CANADA RD E ST PAUL, MN 55117 | DDMN ASO LLC | $5K | — | $5K | 1.28% |
| PATRICK MCCANN3 | 206 LITTLE CANADA RD E SAINT PAUL, MN 55117 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 6.87% |
| PATRICK MCCANN3 | 206 LITTLE CANADA RD E SAINT PAUL, MN 55117 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 6.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MN EIN 41-0984460 NONE | Claims processing; Contract Administrator; Other fees Service code 12 | PO BOX 64560 ST PAUL, MN 55107 | $291K |
| NORTH RISK PARTNERS LLC | Claims processing Service code 12 | 622 ROOSEVELT RD ST CLOUD, MN 56301 | $422 |
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 | 1,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INNOVATION HEALTH | 110 | $581K |
| Dental | DDMN ASO LLC | 2,111 | $403K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,234 | $540K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,234 | $540K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,234 | $540K |
| Stop-loss / reinsurancereinsurance | BCBSM, INC. | 1,247 | $927K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,234 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,111 | — |
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.