| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $3K | $327 | $3K | 6.52% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $375 | $3K | 16.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $810 | — | $810 | 5.00% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $364 | $3K | 17.39% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $761 | — | $761 | 5.00% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 SAINT CLOUD, MN 56301 | VISION SERVICE PLAN | $905 | — | $905 | 6.28% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $217 | $30 | $247 | 17.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $72 | — | $72 | 4.98% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 69 | $1.6M |
| Dental | DELTA DENTAL OF IOWA | 83 | $53K |
| Vision | VISION SERVICE PLAN | 77 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $16K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK HEALTH PLAN OF IOWA | 69 | $1.6M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.