| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 505 WATERFORD PARK STE 1100 PLYMOUTH, MN 554416400 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $64 | $5K | 6.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 HWY 169 N STE 1100 PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.28% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 HWY 169 N STE 1100 PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | $129 | $816 | $945 | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY. BLD. 2 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $529 | — | $529 | 0.62% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 505 WATERFORD PARK STE 1100 PLYMOUTH, MN 55441 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $86K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 154 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $86K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $86K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.