| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | MEDICA INSURANCE COMPANY | $33K | $4K | $38K | 1.54% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 13.52% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 3.61% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 13.73% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68046 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 3.66% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 14.42% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.85% |
| JENNON M CARUTH3 | 1331 HEATHER CT CHANHASSEN, MN 55317 | STANDARD INSURANCE COMPANY | $6K | $530 | $6K | 15.27% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.17% |
| KEELER & ASSOCIATES3 | 211 S 23RD ST PLATTSMOUTH, NE 68048 | STANDARD INSURANCE COMPANY | $1K | $1K | $3K | 6.71% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | EYEMED VISION CARE | $2K | — | $2K | 9.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DDMN ASO, LLC EIN 41-1852523 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $10K |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 159 | $2.5M |
| Vision | EYEMED VISION CARE | 113 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 278 | $57K |
| Short-term disability | STANDARD INSURANCE COMPANY | 244 | $84K |
| Long-term disability | STANDARD INSURANCE COMPANY | 277 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.