| 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 | $26K | $75K | 6.08% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | DELTA DENTAL | $3K | — | $3K | 5.02% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $870 | $7K | 13.02% |
| ANDREW GELLMAN3 | 1810 NOBLE DR GOLDEN VALLEY, MN 55422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.01% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 10405 6TH AVE N STE 300 PLYMOUTH, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1 | $1 | 0.00% |
| CARUTH, JENNON, M3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $161 | $2K | 21.88% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $333 | — | $333 | 3.55% |
| 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 | $1 | — | $1 | 0.01% |
| CARRUTH, JENNON, M3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INS CO | $1K | $89 | $1K | 17.27% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INS CO | $239 | — | $239 | 2.81% |
| EMPLOYEE SECURITY PLANS3 | 151 E 22ND ST STE 101E LOMBARD, IL 60148 | PROVIDENT LIFE AND ACCIDENT INS CO | $27 | — | $27 | 0.32% |
| 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 | $9 | — | $9 | 0.11% |
| BEARANCE MANAGEMENT GROUP3 | 1045 76TH ST STE 4000 WEST DES MOINES, IA 50266 | PROVIDENT LIFE AND ACCIDENT INS CO | $8 | — | $8 | 0.09% |
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK RD STE 310 HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INS CO | $5 | — | $5 | 0.06% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | EYEMED VISION CARE | $304 | — | $304 | 9.36% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $391 | $40 | $431 | 16.55% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 127 | $1.2M |
| Dental | DELTA DENTAL | 89 | $52K |
| Vision | EYEMED VISION CARE | 46 | $3K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $52K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $52K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.