| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP INC. | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $164K | $5K | $170K | 11.65% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE | $127K | $9K | $135K | 10.46% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP INC. | 9855 W 78TH STE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $31 | $50K | 9.39% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 Filed as: CLARITY ENROLLMENT SOLUTIONS, LLC | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | METLIFE LEGAL PLANS | $2K | — | $2K | 6.98% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | METLIFE LEGAL PLANS | $566 | $0 | $566 | 2.56% |
| CLARITY ENROLLMENT SOLUTIONS LLC3 | 7825 WASHINGTON AVE S SUITE 710 BLOOMINGTON, MN 55439 | METLIFE LEGAL PLANS | $482 | — | $482 | 2.18% |
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 | 2,454 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,561 | $3.3M |
| Vision(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,561 | $3.3M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,561 | $3.3M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,561 | $3.3M |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,561 | $3.3M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,561 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,561 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.