| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICESMNINC | 505 WATERFORD PARK HWY 169 N PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $63K | $63K | 2.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $44 | $17K | 9.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK STE 1100 PLYMOUTH, MN 554410000 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.12% |
| NFP INSURANCE SERVICES INC3 Filed as: THE KNW GROUP LLC DBA NFP | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554410000 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $2K | $2K | 14.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 WATERFORD PARK STE 1100 PLYMOUTH, MN 55441 | UNUM INSURANCE COMPANY | $829 | $0 | $829 | 9.01% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 276 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $174K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 250 | $15K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $25K |
| Other | UNUM INSURANCE COMPANY | 77 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.