| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PK HWY 169 STE 1100 PLYMOUTH, MN 55441 | MEDICA INSURANCE COMPANY | $34K | $3K | $37K | 2.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 505 HWY 169 N STE 1100 PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $63 | $11K | 8.46% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK STE 1100 PLYMOUTH, MN 55441 | VISION SERVICE PLAN | $702 | — | $702 | 9.99% |
| ENROLLEASE5 Filed as: ENROLLEASE INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $43 | — | $43 | 0.61% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | DELTA DENTAL OF MINNESOTA | $459 | — | $459 | — |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 217 | $1.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $128K |
| Vision | VISION SERVICE PLAN | 56 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $128K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $128K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 223 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
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.