| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MINNESOTA | 505 WATERFORD PARK HWY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $44K | $44K | 2.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MINNESOTA | 9655 SCHMIDTS LAKE ROAD PLYMOUTH, MN 55442 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 14.67% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 6400 FLYING CLOUD DRIVE, SUITE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $333 | $6K | 4.81% |
| JENNON M CARUTH3 Filed as: JENNON M. CARUTH | 6400 FLYING CLOUD DRIVE, SUITE 215 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $567 | $9K | 12.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MINNESOTA | 9655 SCHMIDT LAKE ROAD PLYMOUTH, MN 55442 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $287 | $4K | 5.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES , INC. | 1250 CAPTIAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $406 | $406 | 0.59% |
| FINANCIAL CONCPETS TWIN CITIES INC.3 | 505 HIGHWAY 169 NORTH, SUITE 1100 MINNEAPOLIS, MN 55441 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $296 | $0 | $296 | 3.30% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 370 | $2.2M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 370 | $2.2M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $9K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $183K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 189 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $115K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 370 | $2.2M |
| Other(2 contracts, 2 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 370 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.