| 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 | $48K | — | $48K | 2.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HWY 169 N #1100 PLYMOUTH, MN 55441 | HEALTH PARTNERS | $12K | — | $12K | 9.88% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 HWY 169 N STE 1100 PLYMOUTH, MN 55441 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 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 | — | $500 | $500 | 1.47% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $409 | $409 | 1.20% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 HWY 169 N #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 FL32 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $309 | $309 | 1.53% |
| NFP INSURANCE SERVICES INC | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $253 | $253 | 1.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 US 169 #1100 PLYMOUTH, MN 55441 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.22% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 HWY 169 N #1100 PLYMOUTH, MN 55441 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON FL32 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $97 | $97 | 1.42% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $80 | $80 | 1.17% |
| ENROLLEASE4 Filed as: KNW GROUP LLC | STE 1 505 HIGHWAY 169 N PLYMOUTH, MN 55441 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $328 | — | $328 | 6.30% |
| LAURA E SELKEN4 | 21355 FOXTAIL LN ROGERS, MN 55374 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $321 | — | $321 | 6.16% |
| LAWTON BENEFITS GROUP LLC4 | 526 164TH AVE SOMERSET, WI 54025 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $45 | — | $45 | 0.86% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 153 | $1.8M |
| Dental | HEALTH PARTNERS | 140 | $123K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 157 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $20K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.