| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 HWY 169 N #1100 PLYMOUTH, MN 55441 | UNITED HEALTHCARE | $40K | — | $40K | 2.98% |
| NFP INSURANCE SERVICES INC3 Filed as: WILLIAMS, DIANA NFP MINNESOTA | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 55441 | HEALTH PARTNERS | $11K | — | $11K | 9.87% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 HWY 169 N #1100 PLYMOUTH, MN 55441 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| 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 | — | $597 | $597 | 1.50% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $276 | $276 | 0.69% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DR #810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $175 | $175 | 0.44% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 HWY 169 N STE 1100 PLYMOUTH, MN 55441 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| 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 | — | $257 | $257 | 1.25% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $123 | $123 | 0.60% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DR #810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $107 | $107 | 0.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 US 169 #1100 PLYMOUTH, MN 55441 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $950 | — | $950 | 9.04% |
| ENROLLEASE4 Filed as: KNW GROUP LLC | STE 1 505 HIGHWAY 169 N PLYMOUTH, MN 55441 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $664 | — | $664 | 10.95% |
| LAURA E SELKEN4 | 21355 FOXTAIL LN ROGERS, MN 55374 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $441 | — | $441 | 7.27% |
| LAWTON BENEFITS GROUP LLC4 | 526 164TH AVE SOMERSET, WI 54025 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $122 | — | $122 | 2.01% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 140 | $1.3M |
| Dental | HEALTH PARTNERS | 131 | $109K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 84 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $21K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.