| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM S. STEINKE3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS, INC. | $11K | — | $11K | 2.99% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 10.01% |
| JENNON CARUTH3 Filed as: JENNON M CARRUTH | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 2.53% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 1.09% |
| LEE F MURPHY INCORPORATED3 | 2361 HIGHWAY 36 WEST ST PAUL, MN 55113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.37% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $152 | $1K | 15.67% |
| JENNON M CARUTH3 | 6400 FLYING CLOUD DRIVE SUITE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $137 | — | $137 | 5.09% |
| LEE F MURPHY INCORPORATED3 | 2361 HIGHWAY 36 WEST ST PAUL, MN 55113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69 | — | $69 | 2.57% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59 | — | $59 | 2.19% |
| MICHAEL JEFFREY ROHLOFF3 | 17925 28TH AVENUE NORTH MINNEAPOLIS, MN 55447 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $87 | — | $87 | 4.33% |
| IDENTITY THEFT CONSULTANTS LLC3 | 15624 41ST STREET BECKER, MN 55308 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | — | $35 | 1.74% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | — | $31 | 1.54% |
| JOANNA E MOLDENHAUER3 | 8186 ZENITH COURT NORTH MINNEAPOLIS, MN 55443 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 1.44% |
| JOSEPH HUTH3 | 3863 CRESTWOOD PLACE WHITE BEAR LAKE, MN 55110 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | — | $22 | 1.09% |
| STEVE BAKER3 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $14 | — | $14 | 0.70% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC. | 101 | $381K |
| Dental | DELTA DENTAL OF MINNESOTA | 74 | $45K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 109 | $23K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 52 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $10K |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 109 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.