| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: KNW GROUP LLC | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 3.59% |
| PETER KNOLL3 Filed as: PETER A KNOLL | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | GROUP HEALTH COOPERATIVE | $13K | — | $13K | 2.36% |
| PETER KNOLL3 Filed as: PETER A KNOLL | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | GROUP HEALTH OPTIONS INC | $6K | — | $6K | 1.82% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER RD STE 250 HOPKINS, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $5K | $35K | 16.71% |
| PETER KNOLL3 Filed as: PETER A KNOLL | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | VISION SERVICE PLAN | $1K | — | $1K | 5.28% |
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 | 467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 375 | $20K |
| Vision(2 contracts, 2 carriers) | GROUP HEALTH OPTIONS INC | 162 | $350K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $211K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $211K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $211K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $764K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 314 | $764K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.