| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $3K | $33K | 17.52% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $356 | $356 | 0.48% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $925 | — | $925 | 11.64% |
| CHRISTENSEN GROUP INC3 | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $572 | — | $572 | 10.00% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $572 | — | $572 | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $27 | $27 | 0.47% |
| JOSEPH HUTH3 | 3863 CRESTWOOD PLACE WHITE BEAR LAKE, MN 55110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $890 | — | $890 | 16.61% |
| LAWTON BENEFITS GROUP LLC3 | 526 164TH AVENUE SOMERSET, MA 54025 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $443 | — | $443 | 8.27% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 1.16% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 71 | $8K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $260K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $186K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $186K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.