| 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 SUITE 1100 PLYMOUTH, MN 55441 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $19K | $19K | 2.02% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LC | 500 1ST STREET SE CEDAR RAPIDS, IA 52401 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $6K | $6K | 0.67% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 20.61% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.40% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (MN), INC. | 505 US 169 #1100 PLYMOUTH, MN 55441 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $920 | — | $920 | 9.76% |
| ENROLLEASE3 Filed as: KNW GROUP LLC | 505 WATERFORD PARK HWY 169 PLYMOUTH, MN 55441 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $491 | — | $491 | 13.82% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 239 | $951K |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 239 | $951K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 144 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 232 | $13K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $40K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 232 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.