| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC | ROBERT J SCHMITZ 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS | $39K | $19 | $39K | 5.05% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $894 | $8K | 17.00% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | VISION SERVICE PLAN | $902 | — | $902 | 10.03% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $761 | $101 | $862 | 16.99% |
| NATALIE SUZANNE FONVILLE3 | 2415 ZENITH AVE N GOLDEN VALLEY, MN 55422 | COLONIAL LIFE & ACCIDENT INS CO | $76 | — | $76 | 3.11% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MINNESOTA LLC | 2361 HWY 36 W ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INS CO | $37 | — | $37 | 1.51% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INS CO | $30 | — | $30 | 1.23% |
| BRENDA LEE CANNING3 | 4227 THRU STREET ST CLOUD, MN 56303 | COLONIAL LIFE & ACCIDENT INS CO | $9 | — | $9 | 0.37% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 1251 STONE RIDGE RD SAUK RAPIDS, MN 56379 | COLONIAL LIFE & ACCIDENT INS CO | $7 | — | $7 | 0.29% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INS CO | $3 | — | $3 | 0.12% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT INS CO | $2 | — | $2 | 0.08% |
| BRADLEY HALVERSON3 | 319 W 5TH ST BLUE EARTH, MN 56013 | COLONIAL LIFE & ACCIDENT INS CO | $2 | — | $2 | 0.08% |
| ZACHARY M SWARTZENDRUBER3 | 14128 BARIUM ST NW ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENT INS CO | $2 | — | $2 | 0.08% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INS CO | $1 | — | $1 | 0.04% |
| NATALIE SUZANNE FONVILLE3 | 2415 ZENITH AVE N GOLDEN VALLEY, MN 55422 | COLONIAL LIFE & ACCIDENT INS CO | $76 | — | $76 | 8.72% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MINNESOTA LLC | 2361 HWY 36 W ST PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INS CO | $44 | — | $44 | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR GOLDEN VALLEY, MN 55416 | COLONIAL LIFE & ACCIDENT INS CO | $27 | — | $27 | 3.10% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MICHAEL ROOD | 1251 STONE RIDGE RD SAUK RAPIDS, MN 56379 | COLONIAL LIFE & ACCIDENT INS CO | $6 | — | $6 | 0.69% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INS CO | $3 | — | $3 | 0.34% |
| BLUE SKY BENEFIT SOLUTIONS INC3 | PO BOX 2091 QUARTZSITE, AZ 85346 | COLONIAL LIFE & ACCIDENT INS CO | $2 | — | $2 | 0.23% |
| ZACHARY M SWARTZENDRUBER3 | 14128 BARIUM ST NW ANOKA, MN 55303 | COLONIAL LIFE & ACCIDENT INS CO | $1 | — | $1 | 0.11% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INS CO | $1 | — | $1 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MINNESOTA EIN 41-1852523 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $8K |
| CHRISTENSEN GROUP, INC. AGENT/AGENCY | Insurance agents and brokers Service code 22 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | $3K |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS | 107 | $780K |
| Vision | VISION SERVICE PLAN | 62 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $45K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.