| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICA SELF-INSURED3 | — | MEDICA INSURANCE COMPANY | — | $76K | $76K | 12.36% |
| NORTH RISK PARTNERS LLC3 | — | MEDICA INSURANCE COMPANY | $31K | $512 | $31K | 5.13% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.81% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD #240 SAINT CLOUD, MN 56301 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.52% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVE S #710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.73% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | STANDARD INSURANCE COMPANY | $804 | — | $804 | 3.63% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | STANDARD INSURANCE COMPANY | $955 | — | $955 | 13.51% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 158 | $612K |
| Dental | STANDARD INSURANCE COMPANY | 84 | $72K |
| Vision | STANDARD INSURANCE COMPANY | 46 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 174 | $28K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 82 | $46K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 82 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.