| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK STE 1100 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $808 | $10K | 11.38% |
| JENNON CARUTH3 | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $706 | — | $706 | 0.84% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK STE 1100 PLYMOUTH, MN 55441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $417 | $18 | $435 | 5.64% |
| JENNON CARUTH3 | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $219 | — | $219 | 2.84% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $12 | $12 | 0.16% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $91K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $84K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.