| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON MCCANN BENEFITS LLC3 Filed as: JOHNSON MCCANN | 206 EAST LITTLE CANADA ROAD SAINT PAUL, MN 55117 | PREFERRED ONE INSURANCE COMPANY | $27K | — | $27K | 2.73% |
| NORTH RISK PARTNERS LLC3 | DBA APOLLO INSURANCE AGENCY 2048 SUPERIOR DRIVE NW SUITE 100 ROCHESTER, MN 55901 | PREFERRED ONE INSURANCE COMPANY | $3K | — | $3K | 0.27% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD, SUITE 240 ST. CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANANDA | $4K | $458 | $5K | 9.47% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.84% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERRED ONE INSURANCE COMPANY | 149 | $992K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANANDA | 170 | $50K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $41K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $41K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANANDA | 170 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.