| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | — | AETNA LIFE INSURANCE CO. | $58K | — | $58K | 3.96% |
| NORTH RISK PARTNERS LLC3 | — | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 7.02% |
| EMERSON REID LLC3 | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.89% |
| OCI INSURANCE & FINANCIAL SERVICES3 | — | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.78% |
| NORTH RISK PARTNERS LLC3 | — | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.75% |
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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 222 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $170K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $170K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 311 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.