| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 563016363 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.21% |
| EMERSON REID LLC3 | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.79% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INSURANCE AND FINANCIAL | SERVICES INC 4221 N 203RD ST STE 200 ELKHORN, NE 680223474 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.49% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 14.36% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 10.38% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 11.15% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $495 | $2K | 14.08% |
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 | 572 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 686 | $196K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 686 | $196K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 498 | $87K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 498 | $65K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 498 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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.