| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREFERREDONE ADMINISTRATIVE SERVICE3 | 6105 GOLDEN HILLS GOLDEN VALLEY, MN 55416 | PREFERRED ONE ADMINISTRATIVE SERVICES INC | $21K | $114K | $135K | 34.55% |
| NORTH RISK PARTNERS LLC3 | 208 LITTLE CANADA RD 3 ST PAUL, MN 55117 | DELTA DENTAL OF MN ASO,LLC | $5K | $0 | $5K | 3.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | 7225 NORTHLAND DR SUITE 300 MINNEAPOLIS, MN 55428 | DELTA DENTAL OF MN ASO,LLC | $2K | $0 | $2K | 1.51% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 ST PAUL, MN 55117 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 8.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CTR DR CHICAGO, IL 606930331 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.50% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 ST PAUL, MN 55117 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $715 | $3K | 8.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CTR DR CHICAGO, IL 606930331 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.38% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 ST PAUL, MN 55117 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $749 | $4K | 10.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CTR DR CHICAGO, IL 606930331 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.25% |
| VAALER INSURANCE INC3 | 2701 S COLUMBIA RD P O BOX 12848 GRAND FORKS, ND 58201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $288 | $0 | $288 | 15.00% |
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 | 456 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MN ASO,LLC | 558 | $146K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $72K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $79K |
| Stop-loss / reinsurancereinsurance | PREFERRED ONE ADMINISTRATIVE SERVICES INC | 570 | $391K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 349 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.