| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | CHARLES L SEIVERT 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | MEDICA INSURANCE COMPANY | $44K | $6K | $50K | 3.44% |
| SEIVERT, CHARLES L.3 | NORTH RISK PARTNERS, LLC. 622 ROOSEVELT RD. SUITE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS, INC | $0 | $3K | $3K | 2.25% |
| HELM, GARY3 | NORTH RISK PARTNERS, LLC. 622 ROOSEVELT RD. SUITE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS, INC | $0 | $3K | $3K | 2.17% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD SUITE 240 ST. CLOUD, MN 56301 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | — | $2K | 9.91% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $270 | $2K | 13.22% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $814 | $106 | $920 | 15.19% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 280 | $1.5M |
| Dental | HEALTHPARTNERS, INC | 343 | $121K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 234 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 75 | $6K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.