| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | WILLIAM B LIBBEY 2010 CENTRE POINTE BLVD SAINT PAUL, MN 55120 | DELTA DENTAL OF MINNESOTA | $7K | — | $7K | 9.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC CO | JASON L CHRISTIANSON 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MINNESOTA | $590 | — | $590 | 0.81% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $834 | $3K | 12.30% |
| VAALER INSURANCE INC3 | 4803 38TH ST S STE 101 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $758 | — | $758 | 2.99% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $767 | $3K | 12.50% |
| VAALER INSURANCE INC3 | 4803 38TH ST S STE 101 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $659 | — | $659 | 3.06% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD SAINT PAUL, MN 551201200 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 8.18% |
| MARSH & MCLENNAN AGENCY LLC3 | 2701 S COLUMBIA RD GRAND FORKS, ND 582016029 | AMERITAS LIFE INSURANCE CORP. | $282 | — | $282 | 1.82% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD MENDOTA HEIGHTS, MN 55120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $902 | $314 | $1K | 12.14% |
| VAALER INSURANCE INC3 | 4803 38TH ST S STE 101 FARGO, ND 58104 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $300 | — | $300 | 2.99% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MINNESOTA | 239 | $73K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 79 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $25K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.