| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC. | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $39K | $39K | 2.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $9K | 10.89% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY SOUTH BUILDNG II, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $877 | $877 | 1.11% |
| FINANCEL CONCEPTS TWIN CITIES INC.3 | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $228 | $0 | $228 | 0.29% |
| JENNON M CARUTH3 | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $494 | $10K | 16.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $157 | $5K | 7.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $194 | $194 | 0.31% |
| ENROLLEASE3 Filed as: THE KNW GROUP, LLC | 4350 BAKER ROAD SUITE 250 HOPKINS, MN 55343 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $67 | $67 | 0.11% |
| JENNON M CARUTH3 | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $347 | $6K | 20.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $230 | $3K | 11.05% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 338 | $1.9M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 338 | $1.9M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 197 | $79K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 197 | $142K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 164 | $63K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 197 | $79K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 338 | $1.9M |
| Other(3 contracts, 3 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 338 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.