| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | ADAM J WYNIA 9855 W 78TH ST EDEN PRAIRIE, MN 55344 | MEDICA INSURANCE COMPANY | $31K | $6K | $36K | 1.67% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 18.88% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 W 78TH ST EDEN PRAIRIE, MN 55344 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CLAIRITY ENROLLMENT SOLUTIONS LLC3 | AGENT 187032 7825 WASHINGTON AVE S STE 710 BLOOMINGTON, MN 55439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 17.86% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | AGENT 222192 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.62% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 Filed as: CLARITY ENROLLMENT SOLUTIONS | AGENT 222192 7825 WASHINGTON AVE S STE 710 BLOOMINGTON, MN 55439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP LLC | AGENT 187032 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 | AGENT 187032 7825 WASHINGTON AVE S STE 710 BLOOMINGTON, MN 55439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 22.05% |
| CHRISTENSEN GROUP INC3 | AGENT 222192 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.87% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 | AGENT 222192 7825 WASHINGTON AVE S STE 710 BLOOMINGTON, MN 55439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| CHRISTENSEN GROUP INC3 | AGENT 187032 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 | AGENT 187032 7825 WASHINGTON AVE S BLOOMINGTON, MN 55439 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 25.03% |
| CHRISTENSEN GROUP INC3 | AGENT 222192 7855 W 78TH ST EDEN PRAIRIE, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.47% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 | AGENT 222192 7825 WASHINGTON AVE S STE 710 BLOOMINGTON, MN 55349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | AGENT 187032 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 157 | $2.2M |
| Dental | DELTA DENTAL | 131 | $131K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 96 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $139K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $139K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $139K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.