| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | — | WELLMARK HEALTH PLAN OF IOWA | — | $28K | $28K | 4.49% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINT BLVD MENDOTA HEIGHT, MN 55120 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.43% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINT BLVD MENDOTA HEIGHT, MN 55120 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | EMPIRE STATE BUILDING 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 ST CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $601 | $3K | 15.24% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST SUITE 200 MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $527 | $2K | 8.47% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINT BLVD MENDOTA HEIGHT, MN 55120 | STANDARD INSURANCE COMPANY | $804 | — | $804 | 12.32% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 76 | $20K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 76 | $27K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 101 | $46K |
| Long-term disability | STANDARD INSURANCE COMPANY | 101 | $21K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 76 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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 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.