| 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 | $21K | $897 | $21K | 2.09% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK PLYMOUTH, MN 55441 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 5.00% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 12.93% |
| CARUTH, JENNON, M3 Filed as: CARUTH JENNON M | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $304 | — | $304 | 0.53% |
| AUSMAN BRIDGET3 | 1086 HOWARD ST SAN FRANCSICCO, CA 94103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $183 | — | $183 | 0.32% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK PLYMOUTH, MN 55441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $782 | $160 | $942 | 6.99% |
| CARUTH, JENNON, M3 Filed as: CARUTH JENNON M | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $368 | — | $368 | 2.73% |
| AUSMAN BRIDGET3 | 1086 HOWARD ST SAN FRANCSICCO, CA 94103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.82% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY 2-125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $107 | $107 | 0.79% |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 176 | $1.0M |
| Dental | DELTA DENTAL OF MINNESOTA | 180 | $68K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $57K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 29 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $57K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.