| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | BLUE CROSS BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $22K | $0 | $22K | 1.86% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY, INC. | 5900 ROWLAND ROAD MINNETONKA, MN 55343 | BLUE CROSS BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $12K | $0 | $12K | 1.03% |
| ENROLLEASE3 Filed as: THE KNW GROUP, LLC | 505 WATERFORD PARK HIGHWAY 169 NORTH, SUITE 1100 NORTH PLYMOUTH, MN 55441 | BLUE CROSS BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $6K | $0 | $6K | 0.52% |
| JENNON CARUTH3 | 6400 FLYING CLOUD DRIVE, SUITE 215 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $314 | $7K | 4.96% |
| S S NESBITT & CO INC3 Filed as: THE NESBIT AGENCIES | 5900 ROWLAND ROAD MINNETONKA, MN 55343 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $300 | $5K | 3.58% |
| ENROLLEASE3 Filed as: THE KNW GROUP, LLC | 505 WATERFORD PARK, SUITE 1100 PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $924 | $3K | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $425 | $425 | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $366 | $0 | $366 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD FOUR RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3600 AMERICAN BOULEVARD WEST SUITE 500 BLOOMINGTON, MN 55431 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $618 | $0 | $618 | 6.43% |
| ENROLLEASE3 Filed as: THE KNW GROUP | 4350 BAKER ROAD MINNETONKA, MN 55343 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $506 | $0 | $506 | 5.27% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 167 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $144K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 133 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $144K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $144K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.