| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 206 EAST LITTLE CANADA RD ST PAUL, MN 55117 | BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $19K | — | $19K | 6.08% |
| NORTH RISK PARTNERS LLC3 | 206 EAST LITTLE CANADA RD ST PAUL, MN 55117 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 11.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSMN,INC EIN 41-0984460 CLAIMS PROCESSING | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Legal Service code 12 | — | $36K |
| DELTA DENTAL OF MINNESOTA EIN 41-0952670 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $21K |
| NORTH RISK PARTNERS LLC INS AGENT OR BROKER | Insurance agents and brokers Service code 22 | 206 LITTLE CANADA RD E ST. PAUL, MN 55117 | $5K |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 265 | $310K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 155 | $32K |
| Stop-loss / reinsurancereinsurance | BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 265 | $310K |
| Other | UNION SECURITY INSURANCE COMPANY | 155 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.