| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN), INC. | 505 WATERFORD PARK, HWY 169 NORTH STE 1100 PLYMOUTH, MN 55441 | MEDICA INSURANCE COMPANY | $38K | $480 | $39K | 2.04% |
| ENROLLEASE3 Filed as: KNW GROUP LLC (THE) | 505 WATERFORD PARK HWY 169 NORTH STE 1100 PLYMOUTH, MN 55441 | MEDICA INSURANCE COMPANY | $19K | $480 | $19K | 1.01% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 N #1100 PLYMOUTH, MN 55441 | UNITED HEALTHCARE | $4K | — | $4K | 3.52% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 HWY 169 N #1100 PLYMOUTH, MN 55441 | SUN LIFE ASSURANCE CO OF CANADA | $12K | $0 | $12K | 15.13% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE CO OF CANADA | $1K | $0 | $1K | 1.51% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE CO OF CANADA | — | $266 | $266 | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES MN INC | 505 US 169 #1100 PLYMOUTH, MN 55441 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $2K | $2K | 10.77% |
| LAURA E SELKEN4 | 21355 FOXTAIL LN ROGERS, MN 55374 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $309 | — | $309 | 6.22% |
| ENROLLEASE4 Filed as: KNW GROUP LLC | STE 1 505 HIGHWAY 169 N PLYMOUTH, MN 55441 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $274 | — | $274 | 5.52% |
| LAWTON BENEFITS GROUP LLC4 | 526 164TH AVE SOMERSET, WI 54025 | PREPAID LEGAL SERVICES D/B/A LEGALSHIELD | $38 | — | $38 | 0.77% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 313 | $1.9M |
| Dental | UNITED HEALTHCARE | 176 | $122K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 185 | $14K |
| Life insurance | SUN LIFE ASSURANCE CO OF CANADA | 237 | $81K |
| Short-term disability | SUN LIFE ASSURANCE CO OF CANADA | 237 | $81K |
| Long-term disability | SUN LIFE ASSURANCE CO OF CANADA | 237 | $81K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE CO OF CANADA | 237 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.