| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP MINNESOTA | 505 WATERFORD PARK HWY 169 NORTH PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | $28K | $22K | $50K | 3.20% |
| ENROLLEASE Filed as: THE KNW GROUP | 4350 BAKER ROAD, SUITE 250 MINNETONKA, MN 55343 | DELTA DENTAL OF MINNESOTA | $9K | — | $9K | 8.49% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HWY 169 N STE 1100 PLYMOUTH, MN 55441 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STE 2760 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $183 | $183 | 0.29% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HWY 169 N STE 1100 PLYMOUTH, MN 55441 | NATIONAL GUARDIAN INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 271 | $1.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MINNESOTA | 257 | $164K |
| Vision | NATIONAL GUARDIAN INSURANCE COMPANY | 100 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $62K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.