| 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 | $44K | $959 | $44K | 2.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $16 | $13K | 9.99% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | METROPOLITAN LIFE INSURANCE COMPANY | $456 | $2K | $2K | 1.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.38% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.89% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554410000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 13.24% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY WEST LAKE HILLS, TX 787460000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.10% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554410000 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $115 | — | $115 | 0.75% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 270 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $132K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 225 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $110K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $110K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $110K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.