| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT RD STE 240 SAINT CLOUD, MN 56301 | HEALTHPARTNERS | — | $47K | $47K | 4.21% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 9.61% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW STE 100 ROCHESTER, MN 55901 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 10.08% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 6.11% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD SUITE 300 BETTENDORF, IA 52722 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.31% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 9.56% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DRIVE NW STE 100 ROCHESTER, MN 55901 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 9.18% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 6.54% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD SUITE 300 BETTENDORF, IA 52722 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.08% |
| NORTH RISK PARTNERS LLC3 | 2048 SUPERIOR DR NW STE 100 ROCHESTER, MN 55901 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $4K | — | $4K | 10.67% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES | 3808 W SPRINGFIELD AVE STE D CHAMPAIGN, IL 61822 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 6.44% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD SUITE 300 BETTENDORF, IA 52722 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.55% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 9.60% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 10.23% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $430 | $430 | 9.77% |
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 | 466 | 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) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 466 | $1.1M |
| Dental | HEALTHPARTNERS | 466 | $1.1M |
| Vision | VISION SERVICE PLAN | 179 | $45K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 279 | $43K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $25K |
| Other(6 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 279 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.