| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 11.00% |
| MGIS | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 841012100 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $40 | $40 | 0.03% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 11.00% |
| NORTH RISK PARTNERS LLC Filed as: NORTH RISK PARNTERS LLC | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 11.00% |
| MGIS | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 841012100 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $40 | $40 | 0.07% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 11.00% |
| NORTH RISK PARTNERS LLC Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 12.00% |
| MGIS | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 841012100 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $40 | $40 | 0.47% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | STANDARD INSURANCE COMPANY | $742 | $0 | $742 | 12.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $15K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $95K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 122 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.