| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | MEDICA INSURANCE COMPANY | $20K | $5K | $25K | 2.51% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 5.20% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER RD STE 250 HOPKINS, MN 55343 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 13.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $215 | $215 | 0.44% |
| CARUTH, JENNON, M3 Filed as: CARUTH JENNON M | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $71 | $5K | 12.16% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER RD STE 250 HOPKINS, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $131 | $2K | 4.34% |
| CARUTH, JENNON, M3 Filed as: CARUTH JENNON M | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $62 | $5K | 14.55% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER RD STE 250 HOPKINS, MN 55343 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $21 | $2K | 4.85% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY 2-125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $85 | $85 | 0.25% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 145 | $976K |
| Dental | DELTA DENTAL OF MINNESOTA | 124 | $71K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $48K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 86 | $34K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $48K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.