| 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 | 2.86% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 8.71% |
| CLARITY ENROLLMENTSOLUTIONS LLC3 | 10009 FREDERICK PLACE EDEN PRAIRIE, MN 55347 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 63.68% |
| WILLIAM S. STEINKE3 Filed as: WILLIAM S STEINKE | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 30.86% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | TRANSAMERICA LIFE INSURANCE COMPANY | $162 | — | $162 | 1.72% |
| JENNON CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $132 | $4K | 51.86% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $14 | $2K | 22.97% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $950 | $14 | $964 | 14.18% |
| JENNON CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $115 | $3K | 52.97% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $14 | $2K | 23.00% |
| MICHAEL JEFFREY ROHLOFF3 | 17925 28TH AVENUE NORTH MINNEAPOLIS, MN 55447 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $75 | — | $75 | 5.17% |
| JOANNA E MOLDENHAUER3 | 8186 ZENITH COURT NORTH MINNEAPOLIS, MN 55443 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 2.00% |
| IDENTITY THEFT CONSULTANTS LLC3 | 20480 166TH STREET NORTHWEST BIG LAKE, MN 55309 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 1.59% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 66 | $487K |
| Dental | DELTA DENTAL OF MINNESOTA | 60 | $49K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 103 | $16K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 103 | $7K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 103 | $7K |
| Other(5 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 103 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.