| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP DBA THE KNW GROUP | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 554410000 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $34K | — | $34K | 2.64% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON MIDW | 8400 NORMANDALE LAKE BLVD STE 1700 BLOOMINGTON, MN 55437 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 6.87% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 554410000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 6.68% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 665526400 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MINNESOTA INCORPORATED | 8400 NORMANDALE LAKE BLVD STE 1700 BLOOMINGTON, MN 55437 | UNITEDHEALTHCARE INSURANCE COMPANY | $36 | — | $36 | 0.05% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 222 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $68K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $68K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $74K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $74K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $74K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 152 | $1.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.