| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 1055 LONGFELLOW DR STE B HIAWATHA, IA 52233 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | — | $27K | $27K | 0.55% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $5K | $13K | 8.30% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | VISION SERVICE PLAN | $2K | — | $2K | 2.70% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 15.01% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $3K | $340 | $4K | — |
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 | 473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 381 | $4.9M |
| Dental | DELTA DENTAL OF IOWA | 386 | $0 |
| Vision | VISION SERVICE PLAN | 347 | $91K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 454 | $239K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 454 | $153K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 381 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.