| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $1K | $174 | $1K | 3.97% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $723 | $3K | 12.79% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $553 | $3K | 16.90% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DR NW STE 100 ROCHESTER, MN 55901 | DELTA DENTAL OF IOWA | $702 | — | $702 | 10.01% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $940 | $207 | $1K | 18.31% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NORTHWEST SUITE 100 ROCHESTER, MN 59901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $268 | $73 | $341 | 13.97% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 59 | $550K |
| Dental | DELTA DENTAL OF IOWA | 60 | $37K |
| Vision | DELTA DENTAL OF IOWA | 52 | $7K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $9K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $20K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.