| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROSEVELT ROAD, SUTE 240 SAINT CLOUD, MN 56301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $10K | $29K | 11.72% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROSEVELT ROAD, SUTE 240 SAINT CLOUD, MN 56301 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $16 | $21K | 9.28% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $4K | $14K | 6.26% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $316 | $316 | 0.14% |
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 | 592 | 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) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,192 | $226K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,192 | $226K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 592 | $251K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 592 | $251K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 592 | $251K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 592 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,192 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.