| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $15 | $29K | 10.82% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.82% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ECHELON ADVISORS | 2150 CENTRAL EXPY STE 280 MCKINNEY, TX 750704071 | METROPOLITAN LIFE INSURANCE COMPANY | $164 | — | $164 | 0.06% |
| OVATION HEALTH & LIFE SERVICES INC3 | PO BOX 796816 DALLAS, TX 75379 | METROPOLITAN LIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $15 | $2K | 80.85% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INS AGENCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52 | $52 | 1.79% |
| OVATION HEALTH & LIFE SERVICES INC3 | PO BOX 796816 DALLAS, TX 75379 | METROPOLITAN LIFE INSURANCE COMPANY | -$17 | — | -$17 | -0.58% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ECHELON ADVISORS | 2150 S CENTRAL EXPY STE 280 MCKINNEY, TX 75070 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | — | -$2K | -66.11% |
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 | 358 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 177 | $619K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $267K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $267K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $267K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $267K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 177 | $616K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
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.