| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC | 9855 W. 78TH ST. #100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS INSURANCE COMPPANY | $45K | $2K | $47K | 3.14% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC | 9855 W. 78TH ST. #100 EDEN PRAIRIE, MN 55344 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $1K | $11K | 11.09% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC | 9855 W. 78TH ST. #100 EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF MINNESOTA | $7K | — | $7K | 10.04% |
| CORPORATE INSURANCE ASSOCIATES INC.3 Filed as: CORPORATE INSURANCE ASSOCIATES INC | 5500 LINCOLN DRIVE SUITE 195 MINNEAPOLIS, MN 55436 | DELTA DENTAL OF MINNESOTA | $593 | — | $593 | 0.91% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC | 9855 W. 78TH ST. #100 EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 9.95% |
| CORPORATE INSURANCE ASSOCIATES INC.3 | 5500 LINCOLN DRIVE SUITE 195 MINNEAPOLIS, MN 55436 | DELTA DENTAL OF MINNESOTA | $226 | — | $226 | 0.80% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC | 9855 W. 78TH ST. #100 EDEN PRAIRIE, MN 55344 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $753 | $0 | $753 | 11.14% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC | 9855 W. 78TH ST. #100 EDEN PRAIRIE, MN 55344 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $4 | — | $4 | 5.88% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPPANY | 191 | $1.5M |
| Dental(2 contracts) | DELTA DENTAL OF MINNESOTA | 120 | $93K |
| Vision(2 contracts) | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 121 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $101K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
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.