| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 206 EAST LITTLE CANADA ROAD ST. PAUL, MN 55117 | ALLINA HEALTH AND AETNA INSURANCE | — | — | $0 | 0.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 2010 CENTRE POINTE BLVD MENDOTA HEIGHT, MN 55120 | STANDARD INSURANCE COMPANY | $52K | $8K | $60K | 12.69% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 2010 CENTRE POINTE BLVD MENDOTA HEIGHT, MN 55120 | STANDARD INSURANCE COMPANY | $50K | $6K | $56K | 12.34% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 622 ROOSEBELT ROAD SUITE 240 ST. CLOUD, MN 56301 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.19% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.59% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 622 ROOSEBELT ROAD SUITE 240 ST. CLOUD, MN 56301 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.97% |
| EMERSON REID LLC3 Filed as: EMERSON RODGERS LLC | 1787 SENTRY PKWY W ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $858 | $858 | 0.92% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 206 EAST LITTLE CANADA ROAD ST PAUL, MN 55117 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 2010 CENTRE POINTE BLVD MENDOTA HEIGHT, MN 55120 | STANDARD INSURANCE COMPANY | $6K | $832 | $7K | 13.80% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 622 ROOSEBELT ROAD SUITE 240 ST. CLOUD, MN 56301 | EYEMED VISION CARE ON BEHALF FIDELITY SECURITY LIFE INSURANCE | $657 | — | $657 | 9.93% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLINA HEALTH AND AETNA INSURANCE | 185 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $93K |
| Vision | EYEMED VISION CARE ON BEHALF FIDELITY SECURITY LIFE INSURANCE | 140 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 182 | $49K |
| Short-term disability | STANDARD INSURANCE COMPANY | 281 | $453K |
| Long-term disability | STANDARD INSURANCE COMPANY | 182 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.