| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SUITE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS UNITYPOINT HEALTH | $92K | $6K | $98K | 4.26% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $5K | — | $5K | 3.62% |
| BERNIE LOWE & ASSOCIATES INC3 Filed as: BERNIE LOWE & ASSOCIATES, INC. | 1555 SE DELAWARE AVE STE A ANKENY, IA 50021 | DELTA DENTAL OF IOWA | $1K | — | $1K | 0.72% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 15.00% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.76% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $170 | $170 | 0.20% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.75% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $177 | $177 | 0.22% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $543 | $543 | 1.35% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $78 | $78 | 0.19% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | P.O. BOX 64016 ST. PAUL, MN 55164 | EYEMED VISION CARE | $1K | — | $1K | 5.85% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 ST. CLOUD, MN 56301 | EYEMED VISION CARE | $502 | — | $502 | 2.50% |
| BERNIE LOWE & ASSOCIATES INC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | EYEMED VISION CARE | $343 | — | $343 | 1.71% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC - HIAWATHA | P.O. BOX 64016 ST. PAUL, MN 55164 | EYEMED VISION CARE | $175 | — | $175 | 0.87% |
| NORTH RISK PARTNERS LLC3 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $152 | $152 | 1.67% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20 | $20 | 0.22% |
| NORTH RISK PARTNERS LLC4 | 615 HORSESHOE DR STE G GRINNELL, IA 50112 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | — | $31 | 1.18% |
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 | 475 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS UNITYPOINT HEALTH | 475 | $2.3M |
| Dental | DELTA DENTAL OF IOWA | 196 | $147K |
| Vision | EYEMED VISION CARE | 273 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $40K |
| Long-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 267 | $175K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 45 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.