| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | MEDICA INSURANCE COMPANY | $40K | $684 | $40K | 2.54% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK STE 1100 PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $246 | $6K | 5.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $66 | $5K | 4.41% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $536 | — | $536 | 0.46% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 13.48% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $883 | $883 | 0.92% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.66% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 265 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $116K |
| Vision | HUMANA INSURANCE COMPANY | 93 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $96K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $96K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $96K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.