| 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 | $19K | — | $19K | 1.82% |
| FARMERS AGENCY OF AVOCA, INC.3 Filed as: FARMERS AGENCY OF AVOCA INC | PO BOX 155 AVOCA, MN 56114 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $2K | — | $2K | 0.17% |
| RENTZ AGENCY INC3 Filed as: RENTZ AGENCY INC DBA MIDWEST HEALTH | 519 ATLANTIC AVE MORRIS, MN 56267 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $2K | — | $2K | 0.16% |
| PRINCETON INSURANCE AGENCY3 | 104 S RUM RIVER DRIVE PRINCETON, MN 55371 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $1K | — | $1K | 0.12% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 235 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.