| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SUITE 240 ST CLOUD, MN 56301 | BCBSM, INC. | $69K | — | $69K | 9.95% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 5.26% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 622 ROOSEVELT ROAD STE 240 ST CLOUD, MN 56301 | INNOVATION HEALTH | $10K | — | $10K | 1.96% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 206 LITTLE CANADA RD E ST PAUL, MN 55117 | DDMN ASO LLC | $4K | — | $4K | 1.25% |
| PATRICK MCCANN3 | 622 ROOSEVELT ROAD, SUITE 240 ST. CLOUD, MN 563011332 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 7.51% |
| PATRICK MCCANN3 | 622 ROOSEVELT ROAD, SUITE 240 ST CLOUD, MN 56301 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 7.15% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $198 | — | $198 | 2.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MN EIN 41-0984460 NONE | Other fees; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | PO BOX 64560 ST PAUL, MN 55107 | $241K |
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 | 1,047 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INNOVATION HEALTH | 77 | $490K |
| Dental | DDMN ASO LLC | 1,860 | $347K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,025 | $500K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,025 | $500K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,025 | $500K |
| Stop-loss / reinsurancereinsurance | BCBSM, INC. | 1,124 | $695K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,025 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,860 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.