| 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 | 2.98% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 9.96% |
| CLARITY ENROLLMENTSOLUTIONS LLC3 | 10009 FREDERICK PLACE EDEN PRAIRIE, MN 55347 | TRANSAMERICA LIFE INSURANCE COMPANY | $569 | — | $569 | 8.64% |
| WILLIAM S. STEINKE3 Filed as: WILLIAM S STEINKE | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | TRANSAMERICA LIFE INSURANCE COMPANY | $284 | — | $284 | 4.31% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | TRANSAMERICA LIFE INSURANCE COMPANY | $11 | — | $11 | 0.17% |
| JENNON CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $750 | $140 | $890 | 15.58% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $374 | $103 | $477 | 8.35% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $842 | $239 | $1K | 19.13% |
| JENNON CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $508 | $128 | $636 | 12.56% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $253 | $94 | $347 | 6.85% |
| JOSEPH HUTH4 | 3863 CRESTWOOD PLACE WHITE BEAR LAKE, MN 55110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $93 | — | $93 | 6.41% |
| MICHAEL JEFFREY ROHLOFF4 | 17925 28TH AVENUE NORTH MINNEAPOLIS, MN 55447 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 2.00% |
| JOANNA E MOLDENHAUER4 | 8186 ZENITH COURT NORTH MINNEAPOLIS, MN 55443 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 2.00% |
| CHRISTENSEN GROUP INC4 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 1.79% |
| IDENTITY THEFT CONSULTANTS LLC4 | 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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 95 | $455K |
| Dental | DELTA DENTAL OF MINNESOTA | 96 | $41K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 105 | $12K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $6K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $6K |
| Other(5 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 105 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.