| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KYLE R. HARTMAN3 | 444 W. 47TH ST STE 900 KANSAS CITY, MO 64112 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $62K | — | $62K | 2.70% |
| BRUCE A. CHRISTENSEN3 | 11100 BREN ROAD W MINNETONKA, MN 55347 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $31K | $700 | $31K | 1.37% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 6.66% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $331 | $2K | 2.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES, LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $590 | $5K | 10.61% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 11100 BREN RD WEST MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $178 | $2K | 4.89% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 1.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 1.35% |
| BRUCE A. CHRISTENSEN3 Filed as: BRUCE CHRISTENSEN | 11100 BREN RD W MINNETONKA, MN 55343 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.85% |
| CUSTON BENEFIT PROGRAMS3 Filed as: CUSTON BENEFIT PROGRAMS INC. | 897 12TH ST. HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $43 | $43 | 0.60% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $276 | — | $276 | 4.65% |
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 | 203 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 459 | $2.3M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $146K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $91K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 459 | $2.3M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
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.