| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $27K | $4K | $31K | 6.01% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, FLOOR 8 BUFFRALO, NY 14204 | DELTA DENTAL OF MINNESOTA | $11K | — | $11K | 5.06% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 1.57% |
| NORTH RISK PARTNERS LLC3 | 206 LITTLE CANADA ROAD E ST PAUL, MN 55117 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 1.40% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $5K | $10K | 10.29% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $604 | $2K | 2.56% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $6K | $9K | 11.24% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $584 | $4K | 5.01% |
| LIAZON BENEFITS INC5 | 199 SCOTT STREET, FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 4.57% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.68% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $250 | $3K | 9.41% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $8 | $2K | 5.25% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $1K | $2K | 10.77% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $8 | $1K | 5.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $874 | $188 | $1K | 5.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF MN EIN 41-0984460 ADMINISTRATOR | Claims processing Service code 12 | — | $134K |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $30K |
| Dental | DELTA DENTAL OF MINNESOTA | 489 | $218K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $82K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $178K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $97K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $97K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 528 | $518K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.