| 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 | $47K | $6K | $53K | 3.38% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $3K | $21K | 17.71% |
| ENROLLEASE3 Filed as: THE KNW GROUP | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | DELTA DENTAL OF MINNESOTA | $10K | — | $10K | 9.22% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 554410000 | UNUM INSURANCE COMPANY | $1K | $417 | $2K | 12.74% |
| ENROLLEASE3 Filed as: THE KNW GROUP | 505 WATERFORD PARK HWY 169 STE 1100 PLYMOUTH, MN 554410000 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $385 | $2K | 15.99% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 554410000 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $195 | — | $195 | 6.62% |
| LAURA E SELKEN4 | 21355 FOXTAIL LN ROGERS, MN 553740000 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $137 | — | $137 | 4.65% |
| IDENTITY THEFT CONSULTANTS LLC4 | 20480 166TH ST NW BIG LAKE, MN 553090000 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | — | $32 | 1.09% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 230 | $1.6M |
| Dental | DELTA DENTAL OF MINNESOTA | 271 | $104K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 100 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $120K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $120K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.