| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | BCBSMN INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $46K | — | $46K | 2.90% |
| CHRISTENSEN GROUP INC3 | 527 N MUR-LEN RD STE B OLATHE, KS 66062 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 12.94% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 3.73% |
| ERIC PALMER3 | 114 N MAIN ST MITCHELL, SD 57301 | AFLAC | $8K | $531 | $9K | — |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | AFLAC | $4K | — | $4K | — |
| INTELLICENTS INC3 | 201 E CLARK ST ALBERT LEA, MN 56007 | AFLAC | $4K | — | $4K | — |
| SHON FORD LLC3 Filed as: SHON FORD | 427 N BROADWAY AVE MILLER, SD 57362 | AFLAC | $891 | $132 | $1K | — |
| ALFSON INSURANCE LLC3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $758 | — | $758 | — |
| KARTER KENIS3 | 1202 17TH AVE S BROOKINGS, SD 57006 | AFLAC | $214 | $114 | $328 | — |
| LANCE D THORSON3 Filed as: LANCE THORSON | 1721 12TH AVE NE WATERTOWN, SD 57201 | AFLAC | $104 | — | $104 | — |
| ASHLEY BENNETT LLC3 Filed as: ASHLEY BENNETT | 909 N MAIN ST ABERDEEN, SD 57401 | AFLAC | $85 | — | $85 | — |
| HEIDI ALFSON3 | 602 IRONWOOD DR HARTFORD, SD 57033 | AFLAC | $51 | — | $51 | — |
| ASHLEY D WARNER3 | 712 2ND ST SW DE SMET, SD 57231 | AFLAC | $39 | — | $39 | — |
| TRACY L HOSTLER3 | 518 MAIN AVE BROOKINGS, SD 57006 | AFLAC | $39 | — | $39 | — |
| ASHTON L CONNELL3 | 1204 E 3RD AVE MITCHELL, SD 57301 | AFLAC | $27 | — | $27 | — |
| CRAIG S STADTFELD3 | 1919 W 57TH ST STE 101 SIOUX FALLS, SD 57108 | AFLAC | $26 | — | $26 | — |
| ENRIQUE CAJERO3 | 500 E CLEARWATER PL UNIT 132 SIOUX FALLS, SD 57108 | AFLAC | — | — | $0 | — |
| KIERSTEN L HALL3 | 2804 2ND ST SW APT 238 ROCHESTER, MN 55902 | AFLAC | — | — | $0 | — |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSMN INC DBA BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 148 | $1.6M |
| Dental | AMERITAS LIFE INSURANCE CORP | 140 | $78K |
| Vision | AMERITAS LIFE INSURANCE CORP | 140 | $78K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $80K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $80K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.