| 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 | $2K | $23K | 2.21% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK PLYMOUTH, MN 554410000 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 14.86% |
| ENROLLEASE3 Filed as: THE KNW GROUP | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | DELTA DENTAL OF MINNESOTA | $3K | $15K | $18K | 25.73% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN), INC. | — | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $762 | $762 | 9.21% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 134 | $1.0M |
| Dental | DELTA DENTAL OF MINNESOTA | 141 | $69K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 106 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $87K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $87K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.