| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD, SUITE 240 ST CLOUD, MN 56301 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $185K | $0 | $185K | 2.94% |
| DATTILO CONSULTING, INC.3 | 1711 LAKE DRIVE WEST CHANHASSEN, MN 55317 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $39K | $0 | $39K | 0.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT. MNTAIN. STATES, LTD & OTHS | 4204 BOULDER RIDGE ROAD BISMARCK, ND 58503 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $15K | $0 | $15K | 0.24% |
| ASSO. BULDS. & CON. INS. SER., INC.3 | 440 FIRST STREET NW, SUITE 200 ARLINGTON, VA 22203 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $13K | $0 | $13K | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $13K | $0 | $13K | 0.21% |
| HEARTMAN AGENCY INC3 Filed as: HEARTMAN AGENCY, INC. | 1635 GREENVIEW DRIVE SW ROCHESTER, MN 55903 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $11K | $0 | $11K | 0.18% |
| PHAROS EMPLOYEE BENEFITS INC3 Filed as: PHAROS EMPLOYEE BENEFITS, INC | 2600 EAGAN WOODS DRIVE, SUITE 140 EAGAN, MN 55121 | BLUE CROSS BLUE SHEILD OF MINNESOTA | $7K | $0 | $7K | 0.11% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF MINNESOTA | 1,048 | $6.3M |
| Prescription drug | BLUE CROSS BLUE SHEILD OF MINNESOTA | 1,048 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,048 | — |
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.