| 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 | $13K | $2K | $15K | 3.69% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF MINNESOTA | $4K | — | $4K | 9.94% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $929 | $11 | $940 | 15.16% |
| JENNON CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $545 | $50 | $595 | 10.23% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $324 | $11 | $335 | 5.76% |
| CLARITY ENROLLMENTSOLUTIONS LLC3 | 18453 ST MELLION PLACE EDEN PRAIRIE, MN 55347 | TRANSAMERICA LIFE INSURANCE COMPANY | $116 | — | $116 | 2.58% |
| WILLIAM S. STEINKE3 Filed as: WILLIAM S STEINKE | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | TRANSAMERICA LIFE INSURANCE COMPANY | $62 | — | $62 | 1.38% |
| JENNON CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $495 | $42 | $537 | 12.99% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $288 | $11 | $299 | 7.23% |
| JENNON CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $754 | $40 | $794 | 21.98% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $420 | $11 | $431 | 11.93% |
| JOSEPH HUTH3 | 3863 CRESTWOOD PLACE WHITE BEAR LAKE, MN 55110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | — | $35 | 3.09% |
| IDENTITY THEFT CONSULTANTS LLC3 | 20480 166TH STREET NORTHWEST BIG LAKE, MN 55309 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 2.03% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 62 | $403K |
| Dental | DELTA DENTAL OF MINNESOTA | 87 | $44K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $11K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 43 | $4K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $6K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $22K |
| 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.