| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | MEDICA | $57K | $345 | $58K | 5.03% |
| NICOLE D BLAKE3 | 1226 CULVER AVE NW BUFFALO, MN 55313 | AFLAC | $51 | — | $51 | 13.90% |
| JAMES M LATOUR3 | 230 MAPLE AVE N ANNANDALE, MN 55302 | AFLAC | $28 | — | $28 | 7.63% |
| RYAN RICHARD BALDWIN3 | 923 COLBERT AVE SW BUFFALO, MN 55313 | AFLAC | $9 | — | $9 | 2.45% |
| MANUEL A MADRID3 | 4624 141ST LN NE HAM LAKE, MN 55304 | AFLAC | $8 | — | $8 | 2.18% |
| JOELLE M BUELL3 | 820 5TH AVE SE WASECA, MN 56093 | AFLAC | $1 | — | $1 | 0.27% |
| MICHELLE MARIE EWALD3 | 10908 COLORADO AVE N CHAMPLIN, MN 55316 | AFLAC | $1 | — | $1 | 0.27% |
| TONYA L WYNES LLC3 | 10809 DEFENDER TRL AUSTIN, TX 78754 | AFLAC | $1 | — | $1 | 0.27% |
| REBECCA ANN COLDEN3 | 28899 560TH AVE WARROAD, MN 56763 | AFLAC | $1 | — | $1 | 0.27% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF MINNESOTA | — | — | $0 | — |
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 | 260 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA | 66 | $1.1M |
| Dental | DELTA DENTAL OF MINNESOTA | 260 | $0 |
| Other | AFLAC | 1 | $367 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.
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.