| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK HWY 169 STE 1100 MINNEAPOLIS, MN 554410000 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 11.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 5.66% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK HWY 169 STE 1100 PLYMOUTH, MN 55441 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $818 | — | $818 | 12.13% |
| NFP INSURANCE SERVICES INC6 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STE 2760 CHICAGO, IL 606610000 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC6 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 787460000 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 84 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 253 | $107K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 253 | $107K |
| Other | HARTFORD LIFE AND ACCIDENT | 253 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.