| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 9855 WEST 78TH ST. STE 100 EDEN PRAIRIE, MN 55344 | BCBSM, INC. D.B.A BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $55K | — | $55K | 1.52% |
| NORTH RISK PARTNERS LLC3 | 622 ROOSEVELT ROAD #240 ST CLOUD, MN 56301 | BCBSM, INC. D.B.A BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $53K | — | $53K | 1.48% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 9855 WEST 78TH ST. STE 100 EDEN PRAIRIE, MN 55344 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.54% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 9855 WEST 78TH ST. STE 100 EDEN PRAIRIE, MN 55344 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.31% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 9855 WEST 78TH STREET STE 100 EDEN PRAIRIE, MN 55344 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.03% |
| NORTH RISK PARTNERS LLC3 | 1045 76TH ST STE 400 WEST DES MOINES, IA 502665841 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $892 | $2K | 7.65% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $442 | $2K | 6.12% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH ST. STE 100 EDEN PRAIRIE, MN 55344 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.62% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NC 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | — |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCBSM, INC. D.B.A BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 573 | $3.6M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 442 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $137K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 350 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $113K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 352 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.