| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD #240 ST CLOUD, MN 56301 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $110K | — | $110K | 0.18% |
| DATTILO CONSULTING, INC.3 Filed as: DATTILO CONSULTING INC | 7201 JUNIPER AVE EXCELSIOR, MN 55331 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $20K | — | $20K | 0.03% |
| SEVENHILLS CLEVELAND LLC3 | 7900 INTERNATIONAL DRIVE #990 MINNEAPOLIS, MN 55102 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $20K | — | $20K | 0.03% |
| ELFSTRUM CONSULTING INC3 | 14799 ENERGY WAY APPLE VALLEY, MN 55124 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $18K | — | $18K | 0.03% |
| OSBORNE PROPERTIES LTD PTNRSHP3 Filed as: OSBORNE PROPERTIES LP DBA DRAUS-AND | 420 GATEWAY BLVD BURNSVILLE, MN 55337 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $17K | — | $17K | 0.03% |
| INSURANCE BROKERS OF MN INC3 | 3351 ROUND LAKE BLVD NW ANOKA, MN 55303 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $15K | — | $15K | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC | 505 WATERFORD PARK HWY 169 STE 1100 PLYMOUTH, MN 55441 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $9K | — | $9K | 0.01% |
| MN BENEFITS ADVISORY GROUP, INC.3 | 445 LAKE STREET EAST #200 WAYZATA, MN 55391 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $7K | — | $7K | 0.01% |
| HEALTH INSURANCE CONSULTANTS3 Filed as: HEALTH INSURANCE CONSULTANTS, INC. | PO BOX 966 LAKEVILLE, MA 55044 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $6K | — | $6K | 0.01% |
| MARSHIK AGCY INC3 | 501 FIRST ST SE LITTLE FALLS, MN 56345 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $6K | — | $6K | 0.01% |
| CORPORATE 4 INSURANCE AGENCY3 Filed as: CORPORATE 4 INSURANCE AGENCY INC | 7220 METRO BLVD EDINA, MN 55439 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $5K | — | $5K | 0.01% |
| CSP & ASSOCIATES, INC.3 | 8530 EAGLE POINT BLVD #125 LAKE ELMO, MN 55042 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $4K | — | $4K | 0.01% |
| MOHOWALD INSURANCE AGENCY3 | 916 ST GERMAIN ST BOX 129 ST CLOUD, MN 56302 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $3K | — | $3K | 0.01% |
| METRO BENEFITS GROUP LLC3 | 705 CENTRAL AVE E PO BOX 147 ST MICHAEL, MN 55376 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $2K | — | $2K | 0.00% |
| THEODORE P BOTTIN III INS AGENCY3 | 8800 HWY 7 #325 ST LOUIS PARK, MN 55426 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $2K | — | $2K | 0.00% |
| RENTZ AGENCY INC3 Filed as: RENTZ AGENCY INC DBA MIDWEST HEALTH | 519 ATLANTIC AVE PO BOX 596 MORRIS, MN 56267 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $1K | — | $1K | 0.00% |
| ZIMNY INSURANCE AGENCY INC3 | 1103 BROADWAY ST STE 100 ALEXANDRIA, MN 56308 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $1K | — | $1K | 0.00% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $1K | — | $1K | 0.00% |
| INSURE FORWARD INC3 | PO BOX 7070 FARGO, ND 58103 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $1K | — | $1K | 0.00% |
| NORTHFIELD INSURANCE AGENCY3 | 711 DIVISION ST PO BOX 239 NORTHFIELD, MN 55057 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $1K | — | $1K | 0.00% |
| BCT CORPORATION3 | 100 THIRD AVE S #605 MINNEAPOLIS, MN 55401 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $943 | — | $943 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $874 | — | $874 | 0.00% |
| JOHN W TRAEGER AGENCY INC3 | 1050 CO RD E WEST #100 ST PAUL, MN 55126 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $828 | — | $828 | 0.00% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGCY INC | 5900 ROWLAND ROAD MINNETONKA, MN 55343 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $456 | — | $456 | 0.00% |
| LECLAIR CORPORATION3 | 6701 UPPER AFTON ROAD ST PAUL, MN 55125 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $336 | — | $336 | 0.00% |
| ENROLLEASE3 Filed as: KNW GROUP LLC THE | 505 WATERFORD PARK SUITE 1100 HIGHWAY 169 NORTH PLYMOUTH, MN 55441 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $0 | — | $0 | 0.00% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $0 | — | $0 | 0.00% |
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 | 756 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 1,186 | $60.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,186 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.