| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET EDEN PRAIRIE, MN 55344 | MEDICA INSURANCE COMPANY | $27K | $3K | $29K | 3.14% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS | $3K | $3 | $3K | 5.81% |
| JS BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.53% |
| CHRISTENSEN GROUP INC3 | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $542 | $542 | 1.19% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 20.00% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 18.10% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 20.00% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $453 | — | $453 | 9.28% |
| JOSEPH HUTH3 | 3863 CRESTWOOD PLACE WHITE BEAR LAKE, MN 55110 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $424 | — | $424 | 14.37% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $293 | $375 | $668 | 22.76% |
| CHRISTENSEN GROUP INC3 | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $293 | — | $293 | 9.98% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $38 | $38 | 1.29% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP INC | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $259 | — | $259 | 18.19% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 98 | $937K |
| Dental | HEALTHPARTNERS | 63 | $53K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 61 | $5K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $73K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $35K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $43K |
| Other(6 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.