| 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 | $37K | $1K | $38K | 3.12% |
| SEIVERT, CHARLES L.3 | NORTH RISK PARTNERS, LLC. 622 ROOSEVELT RD. SUITE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS, INC | — | $3K | $3K | 5.93% |
| HELM, GARY3 | NORTH RISK PARTNERS, LLC. 622 ROOSEVELT RD. SUITE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS, INC | — | $3K | $3K | 5.85% |
| 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) | $5K | — | $5K | 21.63% |
| BCT CORPORATION3 | 5220 SW 9TH PLACE CAPE CORAL, FL 33914 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | -$2 | — | -$2 | -0.01% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $81 | $2K | 12.25% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $473 | $40 | $513 | 8.11% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 217 | $1.2M |
| Dental | HEALTHPARTNERS, INC | 325 | $44K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 225 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 68 | $6K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.