| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS | — | $27K | $27K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY INC | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | HEALTHPARTNERS | — | $19K | $19K | 0.39% |
| PREMIER BENEFITS GROUP INC | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | HEALTHPARTNERS | — | -$73 | -$73 | -0.00% |
| PREMIER BENEFITS | 3170 44TH ST S UNIT 110 FARGO, ND 58104 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | — | $0 | 0.00% |
| BELL INSURANCE SERVICES | — | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | — | — | $0 | 0.00% |
| NORTH RISK PARTNERS LLC3 | PO BOX 10 THIEF RIVER FALLS, MN 56701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $7K | $14K | 8.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 3.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 33213 COLLECTION CENTER CHICAGO, IL 60693 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.80% |
| NORTH RISK PARTNERS LLC3 | PO BOX 10 THIEF RIVER FALLS, MN 56701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 13.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.29% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 19.03% |
| WILLIAM FLICKINGER3 | 2830 NORTH BROOKFIELD ROAD BROOKFIELD, WI 53045 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| NORTH RISK PARTNERS LLC3 | PO BOX 10 THIEF RIVER FALLS, MN 56701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 9.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY INC | 6160 GOLDEN HILLS DR MINNEAPOLOIS, MN 55416 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.19% |
| NORTH RISK PARTNERS LLC | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.12% |
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 | 539 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHPARTNERS | 702 | $6.6M |
| Dental(2 contracts, 2 carriers) | HEALTHPARTNERS | 702 | $6.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 292 | $64K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 525 | $87K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 97 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 525 | $167K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 525 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.