| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| APOLLO INSURANCE AGENCY LLC3 | DEETE J WURM 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | MEDICA INSURANCE COMPANY | $48K | $8K | $55K | 2.47% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD SUITE 240 ST CLOUD, MN 56301 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 12.61% |
| NORTH RISK PARTNERS LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 7.81% |
| NORTH RISK PARTNERS LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $571 | $571 | 1.05% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 511 | $2.2M |
| Dental | DELTA DENTAL OF MINNESOTA | 558 | $213K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 163 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 312 | $112K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.