| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST., STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $469 | $5K | 10.15% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON, DANIEL, THOMAS | 2200 LAKESHORE DR., STE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $293 | $5K | 9.81% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $467 | $91 | $558 | 3.87% |
| PAMELA JEAN DESHAW-BRACKETT3 | 6518 W. HUNTER LAKE RD. DULUTH, MN 55803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | — | $292 | 2.02% |
| TOBIAS JONATHAN BRUST3 | 18444 TRISTRAM WAY EDEN PRAIRIE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $24 | $250 | 1.73% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 886 POPLAR LANE WATERTOWN, MN 55388 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $38 | $243 | 1.69% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS LLC | DBA JOHNSON INSURANCE CONSULTANTS DULUTH, MN 55802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 1.34% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $88 | $129 | 0.89% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $53 | $94 | 0.65% |
| JOHNSON INSURANCE CONSULTANTS3 Filed as: JOHNSON INS. CONSULTANTS AGENCY | 302 W. SUPERIOR ST, STE. 400 DULUTH, MN 55802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.60% |
| GARSON FINANCIAL SERVICES S C3 Filed as: GARSON FINANCIAL SERVICES, SC | 929 N ASTOR ST UNIT 1406 MILWAUKEE, WI 53202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.26% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $16 | $36 | 0.25% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $18 | $33 | 0.23% |
| STERLING WEALTH MANAGEMENT LLC3 | W175 N11163 STONEWOOD DR. STE 10 GERMANTOWN, WI 53022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| ELIZABETH MARIE LANGEVIN3 | 51685 BELLE ISLE DR RUSH CITY, MN 55069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| J S BENEFITS INC3 Filed as: J S BENEFITS INC. | 2200 LAKESHORE DR., SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $200 | $2K | 11.45% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP INC. | 9855 W 78TH ST., SUITE 100 EDEN PRAIRIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TX HWY S BLDG II, STE. 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $167 | $167 | 1.21% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | STARMOUNT LIFE INSURANCE COMPANY | $431 | $72 | $503 | 12.32% |
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. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 42 | $4K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $79K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $51K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $79K |
| 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.