| 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 | $16K | $2K | $18K | 2.43% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 554410000 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 5.41% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK PLYMOUTH, MN 554410000 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $722 | $6K | 14.99% |
| ENROLLEASE4 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554410000 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $643 | $61 | $704 | 12.26% |
| AUSMAN BRIDGET4 | 1086 HOWARD ST SAN FRANCSICCO, CA 941030000 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 1.78% |
| CARUTH, JENNON, M4 Filed as: CARUTH JENNON M | 7825 WASHINGTON AVE SOUTH SUITE 710 BLOOMINGTON, MN 554390000 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 1.52% |
| NFP INSURANCE SERVICES INC4 | 1250 S CAPITAL OF TEXAS HWY 2-125 AUSTIN, TX 787460000 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $40 | $40 | 0.70% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 120 | $727K |
| Dental | DELTA DENTAL OF MINNESOTA | 140 | $54K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $41K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 14 | $6K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $41K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.