| 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 | $19K | $1K | $20K | 2.11% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER ROAD SUITE 250 MINNETONKA, MN 553438649 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 4.40% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $956 | $8K | 14.86% |
| ENROLLEASE4 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554410000 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $825 | $109 | $934 | 9.39% |
| CARUTH, JENNON, M4 Filed as: CARUTH JENNON M | 7825 WASHINGTON AVE SOUTH SUITE 710 BLOOMINGTON, MN 554390000 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $217 | — | $217 | 2.18% |
| AUSMAN BRIDGET4 | 1086 HOWARD ST SAN FRANCSICCO, CA 941030000 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 1.27% |
| NFP INSURANCE SERVICES INC4 | 1250 S CAPITAL OF TEXAS HWY 2-125 AUSTIN, TX 787460000 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $73 | $73 | 0.73% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 144 | $948K |
| Dental | DELTA DENTAL OF MINNESOTA | 135 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $55K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 20 | $10K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $55K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.