| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $265K | $0 | $265K | 2.91% |
| PRIM. BEN. SVCS., INC. & OTH. AGTS3 | 46 EAST BROADWAY LITTLE FALLS, MN 56345 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $86K | $0 | $86K | 0.94% |
| KRAUS-ANDERSON INSURANCE3 Filed as: KRAUS-ANDERSON INS. AGENCY, INC. | 420 GATEWAY BOULEVARD BURNSVILLE, MN 55337 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $34K | $0 | $34K | 0.38% |
| ELFSTRUM CONSULTING INC3 Filed as: ELFSTRUM CONSULTING, INC. | 14799 ENERGY WAY APPLE VALLEY, MN 55124 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $29K | $0 | $29K | 0.32% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $21K | $0 | $21K | 0.23% |
| SUPERIOR BENEFIT ADVISORS LLC3 Filed as: SUPERIOR BENEFIT ADVISORS, LLC | 7900 INTERNATIONAL DRIVE, SUITE 990 BLOOMINGTON, MN 55425 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $21K | $0 | $21K | 0.23% |
| DATTILO CONSULTING, INC.3 | 1711 LAKE DRIVE WEST CHANHASSEN, MN 55317 | BLUE CROSS BLUE SHIELD OF MINNESOTA | $17K | $0 | $17K | 0.18% |
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 | 1,019 | 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) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA | 1,558 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,558 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.