| 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 | $346 | $5K | 10.75% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON, DANIEL, THOMAS | 2200 LAKESHORE DR., STE 215 BIRMINGHAM, AL 35209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $288 | $5K | 10.63% |
| PAMELA JEAN DESHAW-BRACKETT3 | 6518 W. HUNTER LAKE RD. DULUTH, MN 55803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $5 | $500 | 3.63% |
| JOHNSON INSURANCE CONSULTANTS3 Filed as: JOHNSON INS. CONSULTANTS AGENCY | 302 W. SUPERIOR ST, STE. 400 DULUTH, MN 55802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | — | $465 | 3.37% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | $67 | $373 | 2.71% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE INC | 886 POPLAR LANE WATERTOWN, MN 55388 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $47 | $244 | 1.77% |
| TOBIAS JONATHAN BRUST3 | 18444 TRISTRAM WAY EDEN PRAIRIE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $45 | $192 | 1.39% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $42 | $90 | 0.65% |
| 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 | $67 | $2 | $69 | 0.50% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $18 | $34 | 0.25% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $4 | $24 | 0.17% |
| JILL R LAMBERT3 | 12741 JEFFERSON ST NE BLAINE, MN 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $2 | $21 | 0.15% |
| ELIZABETH MARIE LANGEVIN3 | 51685 BELLE ISLE DR RUSH CITY, MN 55069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $2 | $21 | 0.15% |
| KELLY CAROLE LARSON3 | 11026 ZUMBROTA CT NE BLAINE, MN 55449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $3 | $19 | 0.14% |
| STERLING WEALTH MANAGEMENT LLC3 | W175 N11163 STONEWOOD DR. STE 10 GERMANTOWN, WI 53022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.09% |
| STEVEN GENE BRACKETT3 | 6518 W. HUNTER LAKE RD. DULUTH, MN 55803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| TR INSURANCE ADVISORS INC3 | 1009 EIGHTH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.06% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 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 | — | $1K | 9.78% |
| 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 | 9.78% |
| 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 | — | $137 | $137 | 1.01% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | STARMOUNT LIFE INSURANCE COMPANY | $399 | $125 | $524 | 15.75% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 33 | $3K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $73K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $46K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.