| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: KNW GROUP LLC (THE) | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | MEDICA INSURANCE COMPANY | $23K | — | $23K | 1.41% |
| J A COUNTER & ASSOCIATES INC3 | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 54017 | MEDICA INSURANCE COMPANY | $15K | $886 | $16K | 0.98% |
| J A COUNTER & ASSOCIATES INC3 Filed as: J A COUNTER ASSOC INC | 1477 S KNOWLES AVE STE 200 NEW RICHMOND, WI 540172543 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 3.59% |
| NFP INSURANCE SERVICES INC3 Filed as: THE KNW GROUP LLC DBA NFP | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554416400 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.70% |
| ROGERS BENEFIT GROUP INC3 | 10700 OLD COUNTY RD 15 STE 2 PLYMOUTH, MN 554416150 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.72% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH BLVD STE 300 DEERFIELD, IL 600152565 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.46% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 300 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 366 | $239K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 366 | $239K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 366 | $239K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 366 | $239K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 366 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.