| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIANA WILLIAMS THE KNW GROUP | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 554410000 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $47K | — | $47K | 2.18% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 554410000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 8.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN), INC. | 505 WATERFORD PARK HWY 169 N PLYMOUTH, MN 554410000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 2.07% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 554410000 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 10.41% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 554410000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 8.87% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 221 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 408 | $126K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 408 | $126K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $230K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $231K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $230K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 221 | $2.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.