| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554410000 | MEDICA INSURANCE COMPANY | $45K | $2K | $46K | 3.41% |
| ENROLLEASE3 Filed as: THE KNW GROUP | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 554410000 | DELTA DENTAL OF MINNESOTA | $10K | — | $10K | 10.91% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $765 | $7K | 12.17% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 BLOOMINGTON, MN 554390000 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.04% |
| ENROLLEASE3 Filed as: THE KNW GROUP | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 554410000 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 BLOOMINGTON, MN 554390000 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 2.88% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 554410000 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 2.11% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554410000 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $196 | — | $196 | 5.38% |
| LAURA E SELKEN3 | 21355 FOXTAIL LN ROGERS, MN 553740000 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $167 | — | $167 | 4.59% |
| IDENTITY THEFT CONSULTANTS LLC3 | 20480 166TH ST NW BIG LAKE, MN 553090000 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | — | $35 | 0.96% |
| JULIANA D BRENTESON3 | 2532 183RD ST NW BIG LAKE, MN 553090000 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 0.63% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 218 | $1.4M |
| Dental | DELTA DENTAL OF MINNESOTA | 239 | $93K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 120 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $57K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.