| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | ADAM J WYNIA 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | MEDICA INSURANCE COMPANY | $16K | $2K | $17K | 2.19% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF MINNESOTA | $6K | — | $6K | 10.23% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| LYNN B KEEFER3 | 1743 MEADOWLARK RD EAGAN, MN 55122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | — | $321 | 4.02% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH STREET 100 EDEN PRAIRIE, MN 55344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | — | $307 | 3.85% |
| TONYA L WYNES LLC3 | 225 S 6TH ST SUITE 2550 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.78% |
| TONYA LYNNE WYNES3 Filed as: TONYA WYNES | 77 W MAIN ST STE B CORTEZ, CO 81321 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.64% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | EYE MED | $692 | — | $692 | 9.43% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | GERBER LIFE INSURANCE COMPANY | $360 | — | $360 | 15.00% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26 | — | $26 | 10.92% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 67 | $795K |
| Dental | DELTA DENTAL OF MINNESOTA | 69 | $60K |
| Vision | EYE MED | 77 | $7K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $35K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2 | $238 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 86 | $21K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.