| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP, INC. | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | PREFERRED ONE INSURANCE COMPANY | $36K | — | $36K | 4.97% |
| CHRISTENSEN GROUP INC3 | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $17 | $7K | 14.86% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $315 | — | $315 | 0.65% |
| CHRISTENSEN GROUP INC3 | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $218 | $7K | 19.97% |
| TOBIAS JONATHAN BRUST3 | 5307 CIRCLE DOWN GOLDEN VALLEY, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $846 | $2K | 6.36% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $836 | $2K | 5.30% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 12178 DRAKE STREET COON RAPIDS, MN 55448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.43% |
| ELIZABETH MARIE LANGEVIN3 | 698 WEST LARPENTEUR AVENUE ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $281 | $887 | 2.56% |
| MEGHAN MOFFATT LUCAS3 | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $540 | $327 | $867 | 2.50% |
| ROBERT SCOTT BRUNER3 | 987 LACY COURT BELLE PLAINE, MN 56011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $377 | $201 | $578 | 1.67% |
| JEFFREY D HARNED3 Filed as: JEFFREY LYLES | 3872 BALLANTRAE ROAD EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $91 | $527 | 1.52% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE, INC. | 6481 TANGER LANE EDEN PRAIRIE, MN 55346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | $61 | $411 | 1.19% |
| TERESA CAREY3 | 6169 NIAGARA LANE N PLYMOUTH, MN 55446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | — | $333 | 0.96% |
| MATTHEW R LORENZ3 Filed as: MATTHEW LORENZ | 1021 PROSPECT POINTE ROAD JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $20 | $309 | 0.89% |
| PAULA KUKLOCK3 | 839 KAYLA LANE NE HANOVER, MN 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 0.55% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 0.53% |
| KAREN BOHLER3 | 12810 PRIMROSE LANE EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $30 | $170 | 0.49% |
| LAURA B WETT3 | 8496 100TH STREET EAST NORTHFIELD, NM 55057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $10 | $144 | 0.42% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $39 | $116 | 0.34% |
| JILL R LAMBERT3 | 12741 JEFFERSON STREET NORTHEAST BLAINE, ME 55434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $5 | $102 | 0.29% |
| MARK J ROBISON3 Filed as: MARK ROBISON | 1255 KIENAS ROAD KALISPELL, MT 59901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $18 | $86 | 0.25% |
| NORMAN NYSTROM3 | 4304 BOONE AVE N NEW HOPE, MN 55428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $3 | $84 | 0.24% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DRIVE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $11 | $56 | 0.16% |
| ARLO I MATHISON3 | 28118 141ST STREET NORTHWEST ZIMMERMAN, MN 55398 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.12% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $4 | $32 | 0.09% |
| NORTH FLORIDA BENEFIT SOLUTIONS INC3 | 12659-1 PLUMMER GRAN ROAD JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $1 | $26 | 0.08% |
| DESIREE WENDELL3 | 40771 FENIAN WAY NORTH BRANCH, MN 55056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $2 | $25 | 0.07% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $2 | $23 | 0.07% |
| JACK ALAN HENNINGSGAARD3 | 2562 LOST LAKE ROAD MOUND, MN 55364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $5 | $21 | 0.06% |
| TAMMY M DAHLBERG3 | 1009 EIGTH AVE NE WASECA, MN 55428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $3 | $21 | 0.06% |
| PREMIER WORKSITE SOLUTIONS INC3 | 806 NW 79TH STREET VANCOUVER, WA 98665 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $11 | $21 | 0.06% |
| JENNIFER GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.03% |
| BRAD BIEL3 | 2 GOLD STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $6 | $8 | 0.02% |
| CRAIG WAYNE SOTTILE3 | 324 BROOKLAND WAY WEST COLUMBIA, SC 29169 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| KURT LOREN UNGLAUB3 | 221 WARREN AVE THOMASVILLE, GA 31792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.01% |
| WILLIAM BENJAMIN KIRKLAND3 | 1899 ATKINSON BLV W PEARSON, GA 31642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| T NASH SKILES INC3 Filed as: T NASH SKILES | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| EVELYN GARCIA3 | 1562 1ST AVENUE NEW YORK, NY 10028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE ENROLLMENT SOLTUIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CHRISTENSEN GROUP INC3 | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $685 | — | $685 | 10.00% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREFERRED ONE INSURANCE COMPANY | 104 | $723K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 124 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $49K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 70 | $35K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $49K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
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.