| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: KNW GROUP LLC | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $41K | — | $41K | 2.01% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER RD STE 250 MINNETONKA, MN 55343 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $21K | — | $21K | 1.83% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 4350 BAKER RD STE 250 HOPKINS, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 10.50% |
| PETER KNOLL3 | 505 WATERFORD PARK STE 1100 PLYMOTH, MN 55441 | VISION SERVICE PLAN | $1K | — | $1K | 4.61% |
| KNOLL PETER ALLEN3 | 16220 TURNBERRY TURN NW RAMSEY, MN 55303 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 1.56% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER RD STE 250 HOPKINS, MN 55343 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.45% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITL OF TX HWY BLDG 2 SE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $29 | $29 | 0.34% |
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 | 550 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 382 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 443 | $21K |
| Vision | VISION SERVICE PLAN | 240 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $219K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $211K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $211K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.