| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS INSURANCE COMPANY | $59K | $1K | $61K | 1.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | HEALTHPARTNERS INSURANCE COMPANY | $28K | $5K | $33K | 1.01% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $19 | $18K | 9.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 5.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $782 | $782 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.00% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 8.91% |
| HEALTHPARTNERS AGENCY3 Filed as: HEALTHPARTNERS INC | 8170 33RD AVE S ATTN DEPO TEAM MS-21109A BLOOMINGTON, MN 55425 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 7.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGAENCY LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $852 | $413 | $1K | 6.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | EYEMED | $636 | — | $636 | 3.87% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIES, MN 55344 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 9.03% |
| HEALTHPARTNERS AGENCY3 Filed as: HEALTHPARTNERS INC | 8170 33RD AVE S ATTN DEPO TEAM MS-21109A BLOOMINGTON, MN 55425 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 7.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGAENCY LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $699 | $337 | $1K | 6.77% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 8.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $668 | $322 | $990 | 7.47% |
| HEALTHPARTNERS AGENCY3 Filed as: HEALTHPARTNERS INC | 8170 33RD AVE S ATTN DEPO TEAM MS-21109A BLOOMINGTON, MN 55425 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $971 | $971 | 7.33% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 280 | $3.3M |
| Dental | HEALTHPARTNERS INSURANCE COMPANY | 280 | $3.3M |
| Vision | EYEMED | 196 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $196K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $196K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 333 | $196K |
| Other(5 contracts, 3 carriers) | HEALTHPARTNERS INSURANCE COMPANY | 333 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.