| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | $45K | — | $45K | 1.00% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | DELTA DENTAL OF MINNESOTA | $32K | — | $32K | 9.92% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $16 | $42K | 34.42% |
| PLANSOURCE BENEFITS ADMINISTRATION5 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $946 | $16K | $17K | 13.77% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $271 | $7K | 24.78% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $295 | — | $295 | 1.08% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD, STE 240 ST CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $266 | $2K | 9.49% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $271 | $2K | 6.51% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $218 | $5K | 20.93% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $263 | — | $263 | 1.07% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH DAKOTA | 601 | $4.5M |
| Dental | DELTA DENTAL OF MINNESOTA | 628 | $321K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $123K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $148K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $123K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.