| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | 9855 W 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 11.09% |
| MHS INSURANCE AGENCY LLC3 | 10900 WAYZATA BOULEVARD SUITE 130 MINNETONKA, MN 55305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$5 | — | -$5 | -0.02% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.69% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.37% |
| MHS INSURANCE AGENCY LLC3 | 10900 WAYZATA BLVD SUITE 130 MINNETONKA, MN 55305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 W 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | NATIONAL GUARDIAN LIFE INS CO | $960 | — | $960 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREFERREDONE ADMINISTRATIVE SVCS EIN 41-1846481 | Claims processing Service code 12 | 6105 GOLDEN HILLS DRIVE GOLDEN VALLEY, MN 55416 | $384K |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INS CO | 69 | $10K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 197 | $51K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $33K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 197 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.