| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM S. STEINKE3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS INSURANCE COMPANY | $14K | — | $14K | 3.00% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 9.20% |
| JENNON M CARUTH3 | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $748 | $9 | $757 | 3.86% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $337 | — | $337 | 1.72% |
| LEE F MURPHY INCORPORATED3 | 2361 HIGHWAY 36 WEST ST. PAUL, MN 55113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.54% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $121 | $1K | 13.28% |
| JENNON M CARUTH3 | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $182 | $3 | $185 | 5.95% |
| LEE F MURPHY INCORPORATED3 | 2361 HIGHWAY 36 WEST ST. PAUL, MN 55113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79 | — | $79 | 2.54% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78 | — | $78 | 2.51% |
| MICHAEL JEFFREY ROHLOFF3 | 17925 28TH AVENUE NORTH MINNEAPOLIS, MN 55447 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $111 | — | $111 | 3.66% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $72 | — | $72 | 2.38% |
| IDENTITY THEFT CONSULTANTS LLC3 | 15624 41ST STREET BECKER, MN 55308 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $40 | — | $40 | 1.32% |
| JOSEPH HUTH3 | 3863 CRESTWOOD PLACE WHITE BEAR LAKE, MN 55110 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $35 | — | $35 | 1.16% |
| JOANNA E MOLDENHAUER3 | 8186 ZENITH COURT NORTH MINNEAPOLIS, MN 55443 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $34 | — | $34 | 1.12% |
| STEVE BAKER3 | 153 ESTHER DRIVE COCA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $17 | — | $17 | 0.56% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 67 | $463K |
| Dental | DELTA DENTAL OF MINNESOTA | 75 | $52K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $10K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 67 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $10K |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 115 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.