| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS INSURANCE CO | $50K | $18 | $50K | 1.23% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $20K | 3.62% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 15.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE CHRISTENSEN GROUP EIN 41-0873705 NONE | Insurance agents and brokers Service code 22 | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | $6K |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE CO | 308 | $4.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $552K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $552K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
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.