| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $15K | $31K | 4.09% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55344 | MEDICA INSURANCE COMPANY | $10K | $0 | $10K | 1.96% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | DELTA DENTAL | $8K | $0 | $8K | 1.96% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $2K | $29K | 13.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 5600 W 83RD ST 8200 TOWER STE 1100 BLOOMINGTON, MN 55437 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $35 | $82 | 0.04% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST., STE. 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 16.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICA SELF-INSURED EIN 41-1479417 NONE | Claims processing Service code 12 | — | $99K |
| THE CHRISTENSEN GROUP EIN 41-0873705 NONE | Insurance agents and brokers Service code 22 | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | $0 |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 396 | $427K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $769K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $769K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 368 | $490K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 405 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.