| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN) INC. | 505 WATERFORD PARK HWY 169 N STE 1100 PLYMOUTH, MN 55441 | MEDICA INSURANCE COMPANY | $27K | $253 | $27K | 1.27% |
| ENROLLEASE3 Filed as: KNW GROUP LLC (THE) | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | MEDICA INSURANCE COMPANY | $14K | $253 | $14K | 0.66% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | DELTA DENTAL OF MINNESOTA | $7K | $0 | $7K | 8.62% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HWY 169 N STE 1100 PLYMOUTH, MN 55441 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON ST FL32 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.55% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $988 | $988 | 1.30% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK STE 1100 PLYMOUTH, MN 55441 | VISION SERVICE PLAN | $593 | — | $593 | 10.00% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 207 | $2.1M |
| Dental | DELTA DENTAL OF MINNESOTA | 139 | $77K |
| Vision | VISION SERVICE PLAN | 55 | $6K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $76K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $76K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.