| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | CHARLES L SEIVERT 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | MEDICA INSURANCE COMPANY | $36K | — | $36K | 3.00% |
| GARY HELM3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS, INC | $2K | $2K | $5K | 4.29% |
| CHARLES L SEIVERT3 Filed as: CHARLES L. SEIVERT | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS, INC | — | $83 | $83 | 0.07% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD SUITE 240 ST. CLOUD, MN 56301 | EYEMED (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $7K | — | $7K | 32.84% |
| BCT CORPORATION3 | 100 3RD AVENUE SOUTH MINNEAPOLIS, MN 55401 | EYEMED (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $1K | — | $1K | 6.00% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARNTERS LLC | PO BOX 64016 ST. PAUL, MN 55164 | EYEMED (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $668 | — | $668 | 3.06% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $328 | $3K | 16.18% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $838 | $89 | $927 | 17.49% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 273 | $1.2M |
| Dental | HEALTHPARTNERS, INC | 306 | $115K |
| Vision | EYEMED (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 220 | $22K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $21K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.