| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 55441 | UNITED HEALTHCARE | $37K | — | $37K | 3.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 55441 | UNITED HEALTHCARE | — | $28K | $28K | 2.28% |
| NFP INSURANCE SERVICES INC3 Filed as: WILLIAMS, DIANA NFP MINNESOTA | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 55441 | HEALTH PARTNERS | — | $9K | $9K | 9.96% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 55441 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DR #810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STE 2760 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $540 | $540 | 1.36% |
| NFP INSURANCE SERVICES INC | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $130 | $130 | 0.33% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 55441 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DR #810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $669 | $669 | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STE 2760 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $310 | $310 | 1.39% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $73 | $73 | 0.33% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 55441 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DR #810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $515 | $515 | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STE 2760 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $230 | $230 | 1.34% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $54 | $54 | 0.31% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 55441 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ENROLLEASE4 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 55441 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $478 | — | $478 | 11.63% |
| LAURA E SELKEN4 | 21355 FOXTAIL LN ROGERS, MN 55374 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $297 | — | $297 | 7.23% |
| RACHAEL A LAWTON4 | 526 164TH AVE SOMERSET, WI 54025 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $35 | — | $35 | 0.85% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 255 | $1.2M |
| Dental | HEALTH PARTNERS | 123 | $93K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 59 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 32 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $17K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.