| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS | $13K | $11K | $24K | 13.28% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | GUARDIAN LIFE INS CO OF AMERICA | $10K | $5K | $14K | 13.00% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 Filed as: CLARITY ENROLLMENT SOLUTIONS | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55401 | GUARDIAN LIFE INS CO OF AMERICA | $9K | — | $9K | 8.47% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 14.75% |
| CARUTH, JENNON, M3 Filed as: CARUTH, JENNON M | PO BOX 46122 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 8.81% |
| JENNON CARUTH3 | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | TRUSTMARK INSURANCE COMPANY | $19K | — | $19K | 55.72% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRIARIE, MN 55344 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 7.17% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRIARIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | $238K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ASO PROVIDER | Claims processing Service code 12 | — | $8K |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 166 | $181K |
| Dental | HEALTHPARTNERS | 166 | $181K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 103 | $13K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN LIFE INS CO OF AMERICA | 214 | $220K |
| Short-term disability | GUARDIAN LIFE INS CO OF AMERICA | 214 | $109K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INS CO OF AMERICA | 214 | $186K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS | 166 | $181K |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INS CO OF AMERICA | 214 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.