| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD SUITE 240 ST. CLOUD, MN 56301 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $131K | — | $131K | 2.34% |
| DATTILO CONSULTING, INC.3 Filed as: DATTILO CONSULTING INC | 1711 LAKE DRIVE WEST CHANHASSEN, MN 55317 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $39K | — | $39K | 0.70% |
| HEARTMAN AGENCY INC3 | 1635 GREENVIEW DRIVE SW ROCHESTER, MN 55903 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $15K | — | $15K | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $9K | — | $9K | 0.15% |
| ASSOCIATED BUILDERS & CONTRACTORS3 | 10193 CROSSTOWN CIRCLE EDEN PRAIRIE, MN 55344 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $8K | — | $8K | 0.15% |
| PHAROS EMPLOYEE BENEFITS INC3 | 2600 EAGAN WOODS DR #140 EAGAN, MN 55121 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $8K | — | $8K | 0.15% |
| VAALER INSURANCE INC3 | 2701 S COLUMBIA ROAD PO BOX 12848 GRAND FORKS, ND 58208 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $3K | — | $3K | 0.06% |
| MORGAN PLANNING GROUP LLC3 | 1613 SOUTHCROSS DR W BURNSVILLE, MN 55306 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $1K | — | $1K | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $506 | — | $506 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $161 | — | $161 | 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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 1,029 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,029 | — |
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."
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.