| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST. FL 4 BOSTON, MA 02110 | MEDICA INSURANCE COMPANY | $29K | — | $29K | 2.57% |
| NORTH RISK PARTNERS LLC3 | 2010 CENTRE POINTE BLVD. MENDOTA HEIGHTS, MN 55120 | MEDICA INSURANCE COMPANY | $8K | — | $8K | 0.70% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.59% |
| NORTH RISK PARTNERS LLC3 | 1045 76TH STREET - SUITE 4000 WEST DES MOINES, IA 50266 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.41% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | DELTA DENTAL OF MINNESOTA | $8K | — | $8K | 8.68% |
| NORTH RISK PARTNERS LLC0 Filed as: NORTH RISK PARTNERS, LLC | 10405 6TH AVE. NORTH PLYMOUTH, MN 55441 | DELTA DENTAL OF MINNESOTA | $1K | — | $1K | 1.50% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 206 EAST LITTLE CANADA ROAD ST PAUL, MN 55117 | NATIONAL GUARDIAN LIFE INS. COMPANY | $155 | — | $155 | 2.90% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 207 | $1.1M |
| Dental | DELTA DENTAL OF MINNESOTA | 193 | $96K |
| Vision | NATIONAL GUARDIAN LIFE INS. COMPANY | 57 | $5K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $97K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $97K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $97K |
| Prescription drug | MEDICA INSURANCE COMPANY | 207 | $1.1M |
| Other(2 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 207 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.