| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | 505 WATERFORD PARK HWY 169 NORTH SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $48K | $48K | 9.20% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 NORTH, SUITE 1100 PLYMOUTH, MN 55441 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 11.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 505 HIGHWAY 169 NORTH, SUITE 1100 MINNEAPOLIS, MN 55441 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.96% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.43% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 126 | $518K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $118K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $118K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $118K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $118K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 221 | $118K |
| Prescription drug | HEALTHPARTNERS INSURANCE COMPANY | 126 | $518K |
| Other(2 contracts, 2 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 221 | $637K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.