| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55343 | HEALTHPARTNERS, INC. | $29K | $44 | $29K | 3.00% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS, INC. | $2K | $0 | $2K | 3.19% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55343 | CIGNA GROUP INSURANCE | $2K | $0 | $2K | 10.00% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST EDEN PRAIRIE, MN 55343 | CIGNA GROUP INSURANCE | $2K | $0 | $2K | 10.00% |
| TOBIAS JONATHAN BRUST3 Filed as: TOBIAS JOHNATHAN BRUST | 10925 WAYZATA BLVD., APT 205 MINNETONKA, MN 55305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 13.37% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $918 | $30 | $948 | 6.06% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $121 | $324 | 2.07% |
| ROBERT SCOTT BRUNER3 | 987 LACY CT. BELLE PLAINE, MN 56011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $110 | $190 | 1.21% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN MOFFAT LUCAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $58 | $144 | 0.92% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $26 | $135 | 0.86% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET, SUITE 700 MINNETONKA, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.55% |
| SAMANTHA LEE GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $0 | $67 | 0.43% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $20 | $64 | 0.41% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $6 | $26 | 0.17% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.15% |
| MIKE E MYERS3 | 13609 KRESTWOOD DR. BURNSVILLE, MN 55337 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.12% |
| DALE A CARLSON3 | 2307 SEURER ST. NEW MARKET, MN 55054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.06% |
| DESIREE WENDELL3 | 40771 FENIAN WAY NORTH BRANCH WAY, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.05% |
| JON SCOTT SWARTZENDRUBER3 | 600 HWY 169 SOUTH MINNEAPOLIS, MN 55426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| DONNIE K SWARTZENDRUBER TRUST AGREE3 | PO BOX 846 WASHINGTON, IA 52353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55343 | VISION SERVICE PLAN | $599 | $0 | $599 | 10.00% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55343 | CIGNA GROUP INSURANCE | $814 | $0 | $814 | 27.91% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC. | 163 | $978K |
| Dental | HEALTHPARTNERS, INC. | 121 | $66K |
| Vision | VISION SERVICE PLAN | 50 | $6K |
| Life insurance(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 136 | $40K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $16K |
| Long-term disability | CIGNA GROUP INSURANCE | 126 | $18K |
| Other | CIGNA GROUP INSURANCE | 136 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
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.