| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | MEDICA INSURANCE COMPANY | $37K | $2K | $39K | 2.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | JOANNE M MUELLER 80 W 8TH ST STE 700 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $26K | $2K | $28K | 1.51% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 7.52% |
| HAYS COMPANIES, INC.3 | 11595 N MERIDIAN ST STE 250 CARMEL, IN 46032 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.33% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.68% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH ST IDS CENTER SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $814 | — | $814 | 4.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DDMN ASO, LLC EIN 41-1852523 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $8K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 CLAIMS PROCESSING | Claims processing Service code 12 | SC3238 ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 02481 | $7K |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 139 | $1.8M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 107 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $73K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $73K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 157 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.