| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP INSURANCE | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 7.99% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 6000 CLEARWATER DRIVE HOPKINS, MN 55343 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8 | — | $8 | 0.01% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP INSURANCE | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 6.99% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 6000 CLEARWATER DRIVE HOPKINS, MN 55343 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3 | — | $3 | 0.01% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP INSURANCE | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 8.00% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP INSURANCE | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $877 | $877 | 7.00% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 1.44% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $26K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 48 | $24K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $95K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 66 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.