| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICESMNINC | 505 WATERFORD PARK HWY 169 NORTH PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | — | $47K | $47K | 3.99% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1100 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $3K | $20K | 17.22% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 554410000 | UNUM INSURANCE COMPANY | $1K | $217 | $2K | 11.57% |
| ENROLLEASE3 Filed as: THE KNW GROUP | 505 WATERFORD PARK HWY 169 STE 1100 PLYMOUTH, MN 55441 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $356 | $2K | 15.31% |
| LAURA E SELKEN4 | 21355 FOXTAIL LN ROGERS, MN 55374 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $147 | — | $147 | 5.27% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HIGHWAY 169 N STE 1 PLYMOUTH, MN 55441 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $132 | — | $132 | 4.73% |
| IDENTITY THEFT CONSULTANTS LLC4 | 20480 166TH ST NW BIG LAKE, MN 553090000 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 1.36% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 219 | $1.2M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 219 | $1.2M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 88 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $119K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $119K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $119K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.