| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK, HWY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | — | $17K | $17K | 4.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 505 WATERFORD PARK, HWY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | — | $3K | $3K | 0.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 505 WATERFORD PARK, HWY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS, INC. | — | $2K | $2K | 6.40% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK, HWY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS, INC. | — | $389 | $389 | 1.16% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 5600 W. 83RD. STREET 8200 TOWER STE. 1100 MINNEAPOLIS, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $84 | $1K | 8.69% |
| ENROLLEASE3 Filed as: THE KNW GROUP, LLC. | 505 WATERFORD PARK, HWY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $916 | $101 | $1K | 8.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 5600 W. 83RD. STREET 8200 TOWER STE. 1100 MINNEAPOLIS, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $521 | $43 | $564 | 8.98% |
| ENROLLEASE3 Filed as: THE KNW GROUP, LLC. | 505 WATERFORD PARK, HWY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $428 | $47 | $475 | 7.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 23004 GREEN BAY, WI 54305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $269 | — | $269 | 5.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 9655 SCHMIDT LAKE RD. PLYMOUTH, MN 55442 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $191 | $39 | $230 | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $16 | $16 | 0.35% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 117 | $410K |
| Dental | HEALTHPARTNERS, INC. | 99 | $33K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $5K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $6K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $13K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 39 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
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.