| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM S. STEINKE3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS, INC. | — | $16K | $16K | 3.20% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 9.19% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 BLOOMINGTON, MN 55439 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $365 | — | $365 | 2.94% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $288 | — | $288 | 2.32% |
| LEE F MURPHY INCORPORATED3 | 2361 HIGHWAY 36 WEST ST PAUL, MN 55113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.39% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $169 | $1K | 13.83% |
| JENNON M CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 BLOOMINGTON, MN 55439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153 | — | $153 | 6.39% |
| LEE F MURPHY INCORPORATED3 | 2361 HIGHWAY 36 WEST ST PAUL, MN 55113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76 | — | $76 | 3.17% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66 | — | $66 | 2.75% |
| MICHAEL JEFFREY ROHLOFF3 | 17925 28TH AVENUE NORTH MINNEAPOLIS, MN 55447 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $94 | — | $94 | 4.75% |
| IDENTITY THEFT CONSULTANTS LLC3 | 20480 166TH STREET NORTHWEST BIG LAKE, MN 55309 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | — | $33 | 1.67% |
| JOANNA E MOLDENHAUER3 | 8186 ZENITH COURT NORTH MINNEAPOLIS, MN 55443 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | — | $31 | 1.57% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | — | $31 | 1.57% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS, INC. | 76 | $506K |
| Dental | DELTA DENTAL OF MINNESOTA | 77 | $55K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 100 | $23K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 44 | $12K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $10K |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 100 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.