| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | MEDICA INSURANCE COMPANY | $49K | $4K | $53K | 4.37% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | DELTA DENTAL | — | $2K | $2K | 4.94% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $646 | $5K | 14.27% |
| CARRUTH, JENNON, M3 | 7825 WASHINGTON AVE S STE 710 BLOOMINGTON, MN 55439 | PROVIDENT LIFE AND ACCIDENT INS CO | $1K | $59 | $1K | 11.60% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INS CO | $184 | — | $184 | 1.81% |
| EMPLOYEE SECURITY PLANS3 | 151 E 22ND ST STE 101E LOMBARD, IL 60148 | PROVIDENT LIFE AND ACCIDENT INS CO | $37 | — | $37 | 0.36% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS MENDOTA | 622 ROOSEVELT RD STE 240 ST CLOUD, MN 56301 | PROVIDENT LIFE AND ACCIDENT INS CO | $27 | — | $27 | 0.27% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK RD STE 310 HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INS CO | $26 | — | $26 | 0.26% |
| BEARANCE MANAGEMENT GROUP3 | 1045 76TH ST STE 4000 WEST DES MOINES, IA 50266 | PROVIDENT LIFE AND ACCIDENT INS CO | $13 | — | $13 | 0.13% |
| CARUTH, JENNON, M3 | 7825 WASHINGTON AVE S STE 710 BLOOMINGTON, MN 55439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $873 | $59 | $932 | 11.24% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WET 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153 | — | $153 | 1.84% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS MENDOTA | 622 ROOSEVELT RD STE 240 ST CLOUD, MN 56301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.04% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | EYEMED VISION CARE | $279 | — | $279 | 5.85% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $501 | $59 | $560 | 17.73% |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 88 | $1.2M |
| Dental | DELTA DENTAL | 79 | $48K |
| Vision | EYEMED VISION CARE | 114 | $5K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $35K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $35K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.