| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | ALLINA HEALTH AND AETNA INSURANCE | $24K | $7K | $31K | 3.25% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | AETNA LIFE INSURANCE CO. | $499 | $0 | $499 | 0.61% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | CIGNA GROUP INSURANCE | $3K | $420 | $3K | 11.49% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | CIGNA GROUP INSURANCE | $2K | $313 | $2K | 11.49% |
| TOBIAS JONATHAN BRUST3 Filed as: TOBIAS JOHNATHAN BRUST | 18444 TRISTRAM WAY EDEN PRAIRIE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $676 | $337 | $1K | 7.22% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $695 | $66 | $761 | 5.43% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $77 | $240 | 1.71% |
| ELIZABETH MARIE LANGEVIN3 | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $24 | $113 | 0.81% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 3357 POLK STREET NE MINNEAPOLIS, MN 55418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $19 | $90 | 0.64% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN MOFFAT LUCAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $23 | $89 | 0.63% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $29 | $82 | 0.58% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.49% |
| SAMANTHA LEE GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.39% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $14 | $51 | 0.36% |
| ANDREW JAMIN GRIMSLEY3 | 1639 GOETTENS WAY SAINT CLOUD, MN 56301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.13% |
| MIKE E MYERS3 | 13609 KRESTWOOD DR. BURNSVILLE, MN 55337 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.11% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.06% |
| DALE A CARLSON3 | 2307 SEURER ST. NEW MARKET, MN 55054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.05% |
| DESIREE WENDELL3 | 40771 FENIAN WAY NORTH BRANCH WAY, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.05% |
| JON SCOTT SWARTZENDRUBER3 | 600 HWY 169 SOUTH MINNEAPOLIS, MN 55426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| DONNIE K SWARTZENDRUBER TRUST AGREE3 | PO BOX 846 WASHINGTON, IA 52353 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | VISION SERVICE PLAN | $639 | $0 | $639 | 9.15% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | CIGNA GROUP INSURANCE | $318 | $50 | $368 | 11.59% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLINA HEALTH AND AETNA INSURANCE | 178 | $1.0M |
| Dental | AETNA LIFE INSURANCE CO. | 165 | $82K |
| Vision | VISION SERVICE PLAN | 56 | $7K |
| Life insurance(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 137 | $42K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 32 | $14K |
| Long-term disability | CIGNA GROUP INSURANCE | 126 | $21K |
| Other | CIGNA GROUP INSURANCE | 137 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
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.