| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET EDEN PRAIRIE, MN 55344 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 3.06% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF MINNESOTA | $6K | — | $6K | 9.82% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $15 | $1K | 15.27% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC D/B/A THREE | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $98 | $28 | $126 | 1.80% |
| JENNON CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 26.81% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $785 | $15 | $800 | 14.70% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC D/B/A THREE | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $99 | $26 | $125 | 2.30% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET EDEN PRAIRIE, MN 55344 | UNITEDHEALTHCARE INSURANCE COMPANY | $441 | — | $441 | 10.01% |
| JENNON CARUTH3 | 7825 WASHINGTON AVENUE SOUTH SUITE 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 34.35% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $698 | $15 | $713 | 18.90% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC D/B/A THREE | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $140 | $47 | $187 | 4.96% |
| CLARITY ENROLLMENTSOLUTIONS LLC3 | 18453 ST MELLION PLACE EDEN PRAIRIE, MN 55347 | TRANSAMERICA LIFE INSURANCE COMPANY | $38 | — | $38 | 2.60% |
| WILLIAM S. STEINKE3 Filed as: WILLIAM S STEINKE | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | TRANSAMERICA LIFE INSURANCE COMPANY | $20 | — | $20 | 1.37% |
| IDENTITY THEFT CONSULTANTS LLC3 | 20480 166TH STREET NORTHWEST BIG LAKE, MN 55309 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | — | $23 | 4.01% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $525K |
| Dental | DELTA DENTAL OF MINNESOTA | 99 | $57K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $4K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $8K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 61 | $5K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $7K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.