| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICA SELF-INSURED3 | — | MEDICA INSURANCE COMPANY | — | $43K | $43K | 7.59% |
| NORTH RISK PARTNERS LLC3 | — | MEDICA INSURANCE COMPANY | $31K | $3K | $34K | 5.88% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 10.99% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 16.48% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.95% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 14.35% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.56% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.05% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | STANDARD INSURANCE COMPANY | $686 | — | $686 | 14.36% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 88 | $572K |
| Dental | STANDARD INSURANCE COMPANY | 75 | $65K |
| Vision | STANDARD INSURANCE COMPANY | 31 | $5K |
| Life insurance | STANDARD INSURANCE COMPANY | 143 | $20K |
| Short-term disability | STANDARD INSURANCE COMPANY | 47 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 42 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.