| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PK HWY 169 STE 1100 PLYMOUTH, MN 55441 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $15K | — | $15K | 1.25% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HWY 169 N STE 1100 PLYMOUTH, MN 55441 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $11K | — | $11K | 0.91% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HWY 169 N STE 1100 PLYMOUTH, MN 55441 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 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 | — | $1K | $1K | 1.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $293 | $293 | 0.33% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HWY 169 N STE 1100 MINNEAPOLIS, MN 55441 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 9.17% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 222 | $1.2M |
| Dental | DELTA DENTAL OF MINNESOTA | 148 | $58K |
| Vision | VISION SERVICE PLAN | 64 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $89K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $89K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.